What Santander Leasing Polska does

Erste Leasing S.A., operating commercially as Erste Leasing and formerly known as Santander Leasing Polska, is a Poznań-headquartered leasing and business-loan provider founded in 1999 and operating as a wholly-owned subsidiary of Erste Bank Polska within the Erste Group. The company is a Polish public limited company (spółka akcyjna) classified as a large enterprise (duży przedsiębiorca), with 413 employees and registered capital of 310,000,000 PLN, registered in KRS 0000026084. Following the migration of Santander Bank Polska into Erste Bank Polska, the legal entity has been rebranded and its digital presence consolidated onto erste.pl/erste-leasing.

The firm's product portfolio centers on three core lines: Leasing (passenger and light-commercial vehicles, trucks, industrial machinery and equipment, photovoltaic installations, and specialized vehicles/equipment for doctors and veterinarians), Pożyczka (loans for vehicles, machinery, photovoltaic, ePożyczka and LeasyEasy quick loans, agricultural land loans, and loans for self-employed professionals), and Wynajem (short-term vehicle rental). Adjacent offerings include bundled insurance products (machinery, agricultural, communication, GAP, Medical Assistance, Leasing Assistance, Secure Rate), fuel cards, secondary-market sales of used leased assets via poleasingowe.pl and multisalon24.pl, and consumer-brand financing through the sister entity Erste F24 with insurance distribution via Erste Finanse.

The technology stack comprises the eBOK24 digital customer portal for contract and payment management, Leasing bySMSeko for SMS-based servicing, BioPodpiseko biometric signature and OTF one-time qualified digital signature for remote contract execution, eFakturaeko electronic invoicing integrated with Poland's mandatory KSeF system (effective February 2026), and Przelewy24 for unlimited-amount online payments. Distribution relies on a sales-led direct channel with dedicated phone lines for business and individual customers, supported by Erste Bank Polska's branch network. Revenue is generated through leasing installments, residual-value proceeds, loan interest and origination fees, insurance commissions, and transaction-based fees on rental, fuel cards, and secondary-market sales. Customer segments span SMBs, corporations, agricultural businesses, medical/veterinary professionals, and individual consumers, with go-to-market differentiated by segment-specific products and subsidized-financing programs delivered through partnerships with BGK (de minimis guarantees) and the European Investment Bank.

Name

Santander Leasing Polska

Legal name

Erste Leasing S.A.

Website

https://santanderleasing.pl

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Erste Leasing S.A. (formerly Santander Leasing Polska) is a Poznań-based, Erste Bank Polska–owned lessor and business lender providing vehicle, machinery, photovoltaic, agricultural, and medical-equipment financing, loans, rentals, and bundled insurance to Polish SMBs, corporations, farmers, medical professionals, and consumers.

Ownership category

akta.pro rank

Product category

Commercial Equipment Leasing and Financing

NAICS

Passenger Car Leasing (532112), Automotive Equipment Rental and Leasing (5321), Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasing (53212), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510), Finance Lessors (6172), Services-Miscellaneous Equipment Rental & Leasing (7350)

akta.pro primary industry

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA)

akta.pro secondary industries

Lease Servicing, Management & Remarketing (Consumer) (FSAKANAL), Dealer/Manufacturer Captive Leasing Programs (OEM/Dealer Lease) (TLABAAAL)

Keywords

• Commercial vehicle leasing
• Equipment financing
• Business loans
• Agricultural financing
• Leasing insurance

Headquarters

HQ city

Poznań

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Leasing Services: Financial leasing products for vehicles (cars, trucks), machinery and equipment, photovoltaic installations, medical devices for doctors and veterinarians, agricultural machinery and land. Revenue generated through leasing installments, residual value payments, and associated fees.
2. Loans (Pożyczka): Loan products for business and individual customers including vehicle loans, machinery loans, photovoltaic installation loans, e-loans, LeasyEasy, agricultural loans, and medical equipment loans. Revenue through interest and origination fees.
3. Insurance Products: Associated insurance products including machine and equipment insurance, agricultural machinery insurance, vehicle insurance, GAP insurance, Medical Assistance, Leasing Assistance, and Secure Rate insurance. Commission-based revenue from insurance partnerships.
4. Leasing Asset Sales: Sale of used leasing equipment through poleasingowe.pl portal and multisalon24.pl for vehicles. Commission or transaction-based revenue.
5. Fuel Card Services: Fuel card program with promotional first tank discount for new customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Erste Leasing (formerly Santander Leasing Polska) provides financial leasing, business and consumer loans, and vehicle rental services for businesses, corporations, medical professionals, farmers, and individual customers across Poland. Its portfolio covers leasing of passenger cars, commercial vehicles, trucks, industrial machinery, agricultural machinery, photovoltaic installations, and medical equipment, complemented by bundled insurance products, fuel cards, and a secondary marketplace for used leased assets. The company operates as part of the Erste Bank Polska group and channels subsidized financing programs through partnerships with BGK and the European Investment Bank.

Product overview

Erste Leasing (formerly Santander Leasing Polska) operates as a multi-product financial services platform offering three core product lines: Leasing (vehicle, machinery, and equipment financing), Pożyczka (business and agriculture loans), and Wynajem (vehicle rental). The portfolio includes specialized offerings for medical professionals, farmers, and corporations, supplemented by add-on insurance products, digital tools (eBOK24 portal, e-signatures, SMS services), and a secondary market for used leased equipment. The company is rebranding from Santander to Erste Bank Polska.

Differentiator

Problem solved

Functional benefit

Brands

• eBOK24: Digital client portal for lease and loan management
• multisalon24.pl
• poleasingowe.pl
• Leasing bySMSeko
• LeasyEasy
• ePożyczka

Products and services

• Leasing Core financial leasing product enabling businesses, corporations, medical professionals, and farmers to acquire passenger cars, commercial vehicles, trucks, industrial machinery and equipment, photovoltaic installations, agricultural machinery and land, and medical equipment via lease agreements with monthly installments and flexible terms. Variants include Autoleasing na start, leasing of passenger and light commercial vehicles, machinery and equipment leasing, truck leasing, photovoltaic installation leasing, and medical vehicle/equipment leasing for doctors and veterinarians.
• Pożyczka (Loan) Loan products providing working capital and asset financing for businesses, farmers, medical professionals, and individual customers. Variants include vehicle loans for firms, machinery and equipment loans, photovoltaic installation loans, agricultural land and farmer loans, medical equipment and supplemental cash loans for doctors and veterinarians, ePożyczka digital loan, and LeasyEasy quick loan.
• Wynajem (Vehicle Rental) Short-term and flexible rental of cars and trucks providing business customers with operational access to vehicles without ownership commitment, supported by a dedicated phone line and contract management via eBOK24.
• Ubezpieczenia (Insurance Products) Standalone insurance products sold alongside leasing and loan contracts, including machinery and equipment insurance, agricultural machinery insurance, motor insurance, GAP insurance and GAP Maszyna, Medical Assistance for doctors and veterinarians, Bezpieczna rata/Bezpieczny Klient payment protection, and Leasing Assistance roadside support.
• Karta paliwowa (Fuel Card) Fuel card program for business vehicles offering discounted first refueling promotions and integrated billing with leasing contracts.
• Sprzedaż sprzętu poleasingowego (Used Leased Equipment Sales) Secondary market sales of vehicles, trailers, machinery, and motorcycles returned from leasing contracts, marketed through the poleasingowe.pl and multisalon24.pl portals.

Quantifiable outcome

• Unlimited online payment amounts via Przelewy24
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Polski Kongres KlimatycznycoreGTM or Marketing Partner · 24 March 2026Santander Leasing (now Erste Leasing) served as Strategic Partner of the Polish Climate Congress 2026 (March 25-27, 2026), sharing expert knowledge on sustainable investment financing and supporting green transformation dialogue in Poland.
• Bank Gospodarstwa Krajowego (BGK)coreStrategic or Co-development PartnerPartnership for de minimis guarantee program (Gwarancja de minimis z BGK) providing subsidized financing guarantees for small and medium enterprises, enabling access to favorable leasing terms.
• Europejski Bank Inwestycyjny (EBI)coreStrategic or Co-development PartnerEuropean Investment Bank financing programs available for both leasing and loan products, providing favorable long-term financing terms for qualifying investments.
• Erste Bank PolskacoreStrategic or Co-development PartnerParent company and banking group providing financial integration, cross-selling opportunities, and operational support. Formerly Santander Bank Polska operations acquired by Erste Group.
• multisalon24.plminorGTM or Marketing PartnerVehicle marketplace platform featuring new cars from authorized dealers and verified used vehicles, integrated as a sales channel for vehicle leasing customers.
• poleasingowe.plminorGTM or Marketing PartnerOnline portal for selling used leasing equipment including vehicles, trailers, machinery, and motorcycles, supporting secondary market sales for returned leasing assets.
• Erste F24coreChannel Partner/ Reseller/ DistributorSister company under Erste Bank Polska group providing individual customer financing products, operating as a separate brand for consumer-facing financial services.
• Erste FinanseminorChannel Partner/ Reseller/ DistributorInsurance agency operations within Erste Bank Polska group for insurance product distribution to leasing and loan customers.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• PEKAO Leasing: PEKAO Leasing is the Polish leasing subsidiary of Bank Pekao, offering leasing and asset financing to businesses. Comparable large-scale, bank-owned leasing platform with similar customer segments.
• PKO Leasing: PKO Leasing is the leasing arm of PKO Bank Polski, Poland's largest bank. Comparable scale, banking-group integration, and full-spectrum leasing/loan offering across Polish SMEs and corporates.
• mLeasing: mLeasing is the Polish leasing arm of mBank, offering vehicle, equipment, and machinery leasing to businesses and individuals. Directly comparable to Erste Leasing in product mix, customer segments, and country footprint.
• Toyota Leasing Polska: Toyota Leasing Polska is the captive leasing provider for Toyota and Lexus vehicles in Poland. Comparable corporate and individual vehicle leasing with strong manufacturer/dealer integration.
• ALD Automotive Polska: ALD Automotive Polska is the Polish operation of ALD Automotive, a major European fleet management and vehicle leasing company. Comparable vehicle leasing and long-term rental focus with a similar mix of corporate and SMB clients.
• ING Lease (Polska): ING Lease Polska is the Polish leasing subsidiary of ING Bank, providing vehicle and equipment leasing to corporate and SME clients. Comparable multi-product platform with similar banking-group ownership structure.
• Volkswagen Leasing Polska: Volkswagen Leasing Polska is the captive auto financier for the VW Group in Poland. Comparable passenger and commercial vehicle leasing focus with dealer-channel distribution.
• Credit Agricole Leasing Polska: Credit Agricole Leasing Polska is the Polish leasing arm of Credit Agricole Bank Polska, offering vehicle and equipment financing. Comparable bank-owned leasing platform targeting business customers.
• Millennium Leasing: Millennium Leasing is the Polish leasing arm of Bank Millennium, providing vehicle, machinery, and equipment leasing to corporate clients. Comparable bank-affiliated lessor serving Polish SMEs and corporates.
• BNP Paribas Leasing Polska: BNP Paribas Leasing Polska is the Polish leasing subsidiary of BNP Paribas, offering vehicle and equipment leasing to businesses. Comparable multi-product, bank-owned leasing model serving Polish SMEs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@ersteleasingpolska
• Facebookfacebook.com/ersteleasingpl
• LinkedInlinkedin.com/company/santander-leasing-polska
• Instagraminstagram.com/ersteleasing_polska

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Santander Leasing Polska