Zinia SMS Verification

For Santander's pay-later service, now called Openbank Pay, you can complete the Zinia SMS verification with a virtual number; identity checks remain yours.

Zinia was the Santander group's buy-now-pay-later brand and has been renamed Openbank Pay, a trademark of Open Bank, S.A., Santander's digital bank. In Spain and Germany it offers pay in 3 instalments, pay in 30 days and flexible payment, online and in physical stores. Existing customers keep their username and password, and the account is phone-verified because credit is involved.

A virtual number covers only the SMS code; financing checks on identity and ability to pay are carried out with your own details. For shoppers in Spain or Germany trying pay-later options for the first time it can ease the sign-up step, but as a payment plan runs, the account should sit on your permanent number.

Instalment reminders and payment approvals go to your phone, and losing a temporary number makes tracking payments harder. Link a financing account to a number you will keep long term. The app is now called Openbank Pay, so be wary of suspicious links or messages still using the Zinia name.