Company: BCDRF
Filing Date: 2025-10-31
Form Type: 424B5
Source: 0001193125-25-260533
Chunk: 85

Company: Banco Santander, S.A.
Filing Date: 2025-10-31
Form: 424B5
Chunk 85
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 to collectively as the “securities”. Each time we sell securities, we will provide a prospectus supplement that will contain specific information about the terms of that offering. The prospectus supplement will provide information regarding certain tax consequences of the purchase, ownership and disposition of the offered securities. The prospectus supplement may also add to, update or change information contained in this prospectus. If there is any inconsistency between the information in this prospectus and any prospectus supplement, you should rely on the information in that prospectus supplement. We will file each prospectus supplement with the SEC. You should read both this prospectus, the applicable prospectus supplement and any related issuer free writing prospectus, together with the additional information described under the headings “Where You Can Find More Information” and “Incorporation of Documents by Reference”. The registration statement containing this prospectus, including exhibits to the registration statement, provides additional information about us and the securities offered under this prospectus. Statements contained in this prospectus and the applicable prospectus supplement about the provisions or content of any agreement or other document are only summaries. If SEC rules require that any agreement or document be filed as an exhibit to the registration statement, you should refer to that agreement or document for its complete contents. The registration statement can be read at the SEC’s offices or obtained from the SEC’s website mentioned under the heading “Where You Can Find More Information”. Certain Terms In this prospectus, the following terms will have the meanings set forth below, unless otherwise indicated or the context otherwise requires

| • |     | “Banco Santander” means Banco Santander, S.A. and the term “Group” means Banco Santander, 
 S.A. and its consolidated subsidiaries;                                                   |

| • |     | “debt securities” refers to the senior preferred debt securities, senior non preferred debt 
 securities and subordinated debt securities;                                                |

| • |     | “senior preferred debt securities” refers to the senior preferred unsubordinated debt securities 
 issued by Banco Santander;                                                                       |

| • |     | “senior non preferred debt securities” refers to the senior non preferred unsubordinated debt 
 securities issued by Banco Santander;                                                         |

| • |     | “securities” refers to the debt securities and the contingent convertible capital securities; |

| • |     | “subordinated debt securities” refers to the subordinated debt securities issued by Banco Santander; |

| • |     | “we”, “our” and “us” refers to Banco Sant