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This indicator corresponds to the Open Current Account and Open Payroll Account.
1/6
This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest.
Member Bank of Spain's Deposit Guarantee Fund for Credit institutions. For cash deposits, the maximum guaranteed amount is €100,000 per depositor in each credit institution.

Accounts for day-to-day banking

Fee-free accounts with plenty of benefits

100% online, 100% fee-free
Free account with or without your salary

Open Current Account

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Free (1) with no fees or conditions
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No fees1

No fees for maintaining, managing or closing the account.
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Free standard transfers

Fee-free transfers in euros within Spain and the EU.
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Free debit card

Free when you open your current account as the main holder.
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Mobile payments

Add your Openbank cards to your mobile or smart watch.

Open Payroll Account

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Open Payroll Account
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Get 0.5% cashback on your bills

Electricity, gas, telephone, mobile phone and internet.
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Free debit and credit cards2

No card issuance or renewal fees.
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Fee-free transfers

Free transfers in euros within Spain and the EU.
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Open Discounts

Get discounts on top brands4.

Compare our current accounts


Both the Open Current Account and the Open Payroll Account are fee-free online accounts (0% APR1 and 0% annual NIR)

Open Current Account

The account you need for your day to day, allowing you to manage your money with no fees or charges.

  • Standard national and international transfers in euros within the EU.
  • Pay for your bills via direct debit.
  • Deposit and withdraw money at any Banco Santander and Euro Automatic Cash ATM in Spain.
  • Free Open Direct Debit card for the first holder.
  • Discounts on big brands.
Open Payroll Account

Enjoy all the services of the Open Current Account, plus additional benefits for paying in your salary, pension, unemployment benefit or monthly deposits2:

  • Get 0.5% cashback on your main bills (electricity, gas, landline, mobile and internet).
  • Get a free Open Credit Card3.
  • Earn higher interest on your savings in an Open Savings Account.
  • You can request a salary advance with the Openbank Overdraft.

1 Representative example of interest with a constant balance of €10,000 held for the first year at 0% APR and 0% annual NIR: gross annual interest of €0.

2 You can enjoy the benefits of the Payroll Account if: (i) you arrange for your salary, pension or unemployment benefit of at least €900 to be paid directly into your account; or (ii) you receive monthly transfers of at least €900 from any other bank.

3 0% APR and 0% annual NIR. Representative example for €1,500 drawn and lump sum payment at the end of the month: 0% NIR; 0% APR; Total amount borrowed: €1,500. Total amount owed: €1,500. Total cost of credit: €0. Card issue fee: €0. The APR may vary depending on the repayment method selected: financed payment in fixed or variable instalments (revolving credit) or financed purchases for at least €30 over 1 to 36 months, as well as failing to meet conditions. For further Conditions on the rest of repayment methods, click the following link: https://www.openbank.es/tarjeta-credito-visa-open-credit.