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Santander’s Zinia becomes provider of consumer finance services for Apple in Germany

12 iunie 2024

Grupo Santander’s financing platform becomes the financier for Apple in Germany, both in Apple stores and online at apple.de.

Santander announced that Zinia, its digital consumer finance platform, will become the new consumer finance provider for Apple in Germany. Zinia will offer customers purchasing Apple products both in Apple stores and online at apple.de the option to defer payments by splitting the total amount into installments (3, 6, 12, 18, 24 and 36 months), or by deferring the payment 30 days after the shipment (online) or pick up in-store.

As part of the launch of this new agreement, in the next months, Apple customers financing their purchases of an iPhone with Zinia will be able to do so in 12 or 24 installments interest-free.

Zinia will allow Apple customers an agile, intuitive, and secure user experience to finance an iPhone, iPad, Apple Watch, Mac or any other devices at Apple stores or the Apple Store online in just a few seconds. To complete a transaction, customers only need to provide their phone number and date of birth, confirm the reception of a security code and follow a quick validation process by logging into their own online banking within the Apple Store online. All this, with the security and backing of a major financial group like Santander.

Since 2022, Zinia has been present in Germany offering a range of financing solutions (buy now pay later and installments, among others). In the coming months will continue its expansion in Germany and different European countries. 

Zinia is part of Santander’s Digital Consumer Bank, which holds the Group’s consumer finance business, providing financial services in 16 european countries through more than 130,000 associated points of sale.

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Anders Olofsson – former Head of Payments Finastra

Banking 4.0 – „how was the experience for you”

So many people are coming here to Bucharest, people that I see and interact on linkedin and now I get the change to meet them in person. It was like being to the Football World Cup but this was the World Cup on linkedin in payments and open banking.”

Many more interesting quotes in the video below:


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?