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  <xs:element id="hban_FairValueOptionCreditRiskMitigationLossReferencePoolAmount" abstract="false" name="FairValueOptionCreditRiskMitigationLossReferencePoolAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_HuntingtonNationalBankUnsecuredNotesMaturingMay202032Member" abstract="true" name="HuntingtonNationalBankUnsecuredNotesMaturingMay202032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_AccumulatedForeignCurrencyAdjustmentNetOfInvestmentHedgesAttributableToParentMember" abstract="true" name="AccumulatedForeignCurrencyAdjustmentNetOfInvestmentHedgesAttributableToParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_OCIDebtSecuritiesHeldToMaturityTransferFromAvailableForSaleGainLossBeforeAdjustmentAfterTax" abstract="false" name="OCIDebtSecuritiesHeldToMaturityTransferFromAvailableForSaleGainLossBeforeAdjustmentAfterTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_SeriesKPreferredStockMember" abstract="true" name="SeriesKPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_SeriesBHAndJPreferredStockMember" abstract="true" name="SeriesBHAndJPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_SeriesFAndGPreferredStockMember" abstract="true" name="SeriesFAndGPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_PreferredStockBasisSpreadAdjustmentOnVariableRate" abstract="false" name="PreferredStockBasisSpreadAdjustmentOnVariableRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hban_PreferredStockBasisSpreadOnVariableRate" abstract="false" name="PreferredStockBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hban_CardsAndPaymentProcessingRevenueMember" abstract="true" name="CardsAndPaymentProcessingRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_TrustAndInvestmentManagementServicesRevenueMember" abstract="true" name="TrustAndInvestmentManagementServicesRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_ServiceChargesRevenueMember" abstract="true" name="ServiceChargesRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_OtherRevenueMember" abstract="true" name="OtherRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_OtherSecuritiesFairValue" abstract="false" name="OtherSecuritiesFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_RestrictedAssetsFairValueDisclosure" abstract="false" name="RestrictedAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_MortgageServicingRightsMember" abstract="true" name="MortgageServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_LoansheldforinvestmentMember" abstract="true" name="LoansheldforinvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_FairValueAssetsLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForwardAbstract" abstract="true" name="FairValueAssetsLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForwardAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hban_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepayments" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationRepayments" abstract="false" name="FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationRepayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_MortgagesHeldForSaleMember" abstract="true" name="MortgagesHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_MortgagesHeldToMaturityMember" abstract="true" name="MortgagesHeldToMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_MortgagesHeldForSaleUnpaidPrincipal" abstract="false" name="MortgagesHeldForSaleUnpaidPrincipal" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_MortgagesHeldToMaturityUnpaidPrincipal" abstract="false" name="MortgagesHeldToMaturityUnpaidPrincipal" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_ImpairedLoansFairValueDisclosure" abstract="false" name="ImpairedLoansFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_ImpairedLoansFairValueDisclosureGainsLosses" abstract="false" name="ImpairedLoansFairValueDisclosureGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_MeasurementInputOptionAdjustedSpreadMember" abstract="true" name="MeasurementInputOptionAdjustedSpreadMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="hban_ReportedValueMeasurementDomain" abstract="true" name="ReportedValueMeasurementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_AmortizedCostMember" abstract="true" name="AmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_LowerOfCostOrMarketMember" abstract="true" name="LowerOfCostOrMarketMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_FairValueFairValueOptionMember" abstract="true" name="FairValueFairValueOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_CashAndShortTermAssets" abstract="false" name="CashAndShortTermAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_OtherSecurities" abstract="false" name="OtherSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_OtherSecuritiesOnlyMeasuredAtFairValue" abstract="false" name="OtherSecuritiesOnlyMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_AccruedIncomeAndOtherAssetsMember" abstract="true" name="AccruedIncomeAndOtherAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_AccruedExpensesAndOtherLiabilitiesMember" abstract="true" name="AccruedExpensesAndOtherLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_AssetDerivativesIncludedInAccruedIncomeAndOtherAssetsAbstract" abstract="true" name="AssetDerivativesIncludedInAccruedIncomeAndOtherAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hban_LiabilityDerivativesIncludedInAccruedExpensesAndOtherLiabilitiesAbstract" abstract="true" name="LiabilityDerivativesIncludedInAccruedExpensesAndOtherLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hban_OtherLongTermDebtMember" abstract="true" name="OtherLongTermDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_UnderlyingLiabilityClassAxis" abstract="true" name="UnderlyingLiabilityClassAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="hban_UnderlyingLiabilityClassDomain" abstract="true" name="UnderlyingLiabilityClassDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_IncreaseDecreaseToNetInterestIncomeDueToDerivativeAdjustment" abstract="false" name="IncreaseDecreaseToNetInterestIncomeDueToDerivativeAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_InterestincomeavailableforsalesecuritiestaxableMember" abstract="true" name="InterestincomeavailableforsalesecuritiestaxableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_InterestExpenseSubordinatedNotesAndOtherLongTermDebtMember" abstract="true" name="InterestExpenseSubordinatedNotesAndOtherLongTermDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_InvestmentSecuritiesMember" abstract="true" name="InvestmentSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="hban_SubordinatedNotesMember" abstract="true" name="SubordinatedNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="hban_FinancialLiabilityClosedPortfolioPortfolioLayerMethodAmortizedCost" abstract="false" name="FinancialLiabilityClosedPortfolioPortfolioLayerMethodAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_HedgedLiabilityFairValueHedgePortfolioLayerMethodHedgedLayerFairValueCumulativeIncreaseDecrease" abstract="false" name="HedgedLiabilityFairValueHedgePortfolioLayerMethodHedgedLayerFairValueCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="hban_CommitmentstoSellLoansMember" abstract="true" name="CommitmentstoSellLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_DerivativeUsedInMortgageBankingActivitiesMember" abstract="true" name="DerivativeUsedInMortgageBankingActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_CommitmentsToSellResidentialRealEstateLoans" abstract="false" name="CommitmentsToSellResidentialRealEstateLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_DerivativeUsedInTradingActivityMember" abstract="true" name="DerivativeUsedInTradingActivityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_DerivativeFinancialInstrumentsUsedByCompanyOnBehalfOfCustomersIncludingOffsettingDerivativesNotionalValue" abstract="false" name="DerivativeFinancialInstrumentsUsedByCompanyOnBehalfOfCustomersIncludingOffsettingDerivativesNotionalValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_CreditRisksFromInterestRateSwapsUsedForTradingPurposes" abstract="false" name="CreditRisksFromInterestRateSwapsUsedForTradingPurposes" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_DerivativeNumberOfPrimaryGroupsEnteredIntoDerivativeTransactions" abstract="false" name="DerivativeNumberOfPrimaryGroupsEnteredIntoDerivativeTransactions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hban_AggregateCreditRiskNetOfCollateral" abstract="false" name="AggregateCreditRiskNetOfCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_InvestmentSecuritiesAndCashCollateralPledgedToCompany" abstract="false" name="InvestmentSecuritiesAndCashCollateralPledgedToCompany" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_LowIncomeHousingTaxCreditPartnersMember" abstract="true" name="LowIncomeHousingTaxCreditPartnersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_TrustPreferredSecuritiesMember" abstract="true" name="TrustPreferredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_ProportionalAmortizationMethodMember" abstract="true" name="ProportionalAmortizationMethodMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_GrossInvestmentInQualifiedAffordableHousingProjects" abstract="false" name="GrossInvestmentInQualifiedAffordableHousingProjects" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAccumulatedAmortization" abstract="false" name="AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAccumulatedAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_OtherNoninterestExpenseIncludingCorporateAllocations" abstract="false" name="OtherNoninterestExpenseIncludingCorporateAllocations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_MarcyHingstMember" abstract="true" name="MarcyHingstMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
