Company: BCDRF
Filing Date: 2025-01-08
Form Type: 424B5
Source: 0001193125-25-003514
Chunk: 10

Company: Banco Santander, S.A.
Filing Date: 2025-01-08
Form: 424B5
Chunk 10
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 SEC allows us to “incorporate by reference” the information that we file with the SEC. This permits us to disclose important information to you by referring to these filed documents. Any information referred to in this way is considered part of this prospectus supplement and accompanying prospectus, and any information that we file with the SEC after the date of this prospectus supplement will automatically be deemed to update and supersede this information. S-iv

We incorporate by reference the Group’s: (i)
Annual Report on Form 20-F for the year ended December 31, 2023, filed with the SEC on February 21,
2024; (ii) Report on Form 6-K filed with the SEC on July 26, 2024 (Accession
No. 0000891478-24-000092); (iii) Report on Form 6-K filed with the SEC on October 29, 2024 (Accession No. 0000891478-24-000114); and (iv)
Report on Form 6-K filed with the SEC on January 2, 2025 (Accession No. 0000891478-25-000002).

We also incorporate by reference all subsequent annual reports of the Group filed on Form 20-F and any
future filings made with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the Securities Exchange Act of 1934, as amended, and certain reports on Form 6-K, if they state that they are incorporated by
reference into the registration statement of which this prospectus supplement forms a part, that we furnish to the SEC after the date of this prospectus supplement and until the Underwriters sell all of the Notes.

Upon written or oral request, we will provide free of charge a copy of any or all of the documents that we incorporate by reference into this
prospectus supplement, other than exhibits which are not specifically incorporated by reference into this prospectus supplement. To obtain copies you should contact us at Investor Relations, Ciudad Grupo Santander, Avenida de Cantabria s/n, 28660
Boadilla del Monte, Madrid, Spain (telephone: (011) 34-91-259-6520).

FORWARD-LOOKING STATEMENTS

From time to time, we may make statements, both written and oral, regarding assumptions, projections, expectations, intentions or beliefs
about future events. These statements constitute “forward-looking statements” for purposes of