A safe option for your savings
With the backing and solvency of the Santander Group
Openbank, your online bank
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Want to save?
Savings options
Earn interest on your money at up to 3.07% APR3 and 3.05% NIR when you increase your balance and arrange for your salary or monthly income to be paid directly into Openbank4.
Earn interest at 1.76% APR1 and 1.75% annual NIR for the first 12 months on any balance of up to €100,000. Plus, you can withdraw your money whenever you want2.
Thinking of investing?
Put your plan for the future and your investments into action.
Our experts get to work for you, investing in fund portfolios with the advisory services of BlackRock®, the world's largest asset manager5, and Santander Asset Management.
All you have to do is answer a few simple questions to determine your investor profile and choose the strategy that best reflects your needs.
You can get started with an initial investment of at least €500, and you can withdraw your money whenever you want.
- Already know which fund you want? Use our Fund Finder tool to choose from over 3,000 funds and start investing from just €13.
- Not sure which fund is right for you? Build your portfolio with 5 predefined asset allocation models that you can replicate or adapt to your liking.
- Want us to invest for you? Put your money to work with our robo-advisor automated investment service, with an initial investment of €500.
1 Interest for the first year. Monthly interest settlement.
Representative example of interest earned with a balance of €25,000 held for 12 months at 1.76% APR and 1.75% annual NIR = gross annual interest of €437.50. Please note that the APR will vary after the first 12 months. For further details, read the pre-contractual information available at openbank.es/en.
2 No fees for maintaining, admini, administration and closingcomisiones de mantenimiento, administración y cancelación.
3 Representative example of interest paid at the end of the term for the 6-Month Open Deposit with a balance of €25,000:
(i) if all conditions are met, 3.07% APR and 3.05% annual NIR will be applied, and the gross interest would be €381.25; (ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €600 (the income must come from another bank) is not set up for at least 4 months, 2.01% APR and 2% annual NIR will be applied, and the gross interest would be €250; (iii) in both cases, if you fail to comply with the 6-month term and only hold the balance for 3 months, 0.20% APR and annual NIR will be applied, and the gross interest would be €12.50.
4 Offer valid until 19 November 2023
5 Source: Morningstar, 2023
6 The risk rating and information for each of the investment funds marketed by Open Bank, S.A., are set out in the prospectus or Key Investor Information Document (KIID) for each one of the investment funds, available at www.openbank.es/en. and www.cnmv.es.
Account services and security
Password Manager Databank
A secure way to store the information you want to protect, which only you can access.
Expense Categorisation
Manage and monitor your spending in a simple and efficient way.
Device Management
Keep track of when, and from which devices, you have logged in to Openbank.
Security Customisation
Apply your preferred settings to adjust the security level when confirming your transactions on the website and app.
Open an account in just three steps, no matter where you are
Want to report a breach of the General Code of Conduct or the Openbank Corporate Principles? Let us know through Canal Abierto (Open Channel), our whistleblowing channel.
If your query is associated with any of our products or services, don't forget to send us your suggestion to: ayuda@openbank.es.