A bank that puts
your interest first
Fee-free account and card for day-to-day banking and
2.27% APR3, 2.25% NIR on your savings for 6 months.
Earn 2.27% APR3, 2.25% NIR
On up to €1,000,000 in an interest-bearing account
Account and card:
€0*
0% APR, 0% annual NIR. No salary deposit required
Cash withdrawals:
€0
Over 6,000 Santander Group ATMs in Spain
Money transfers:
€0
Bizum and fee-free national and international transfers in euros
A safe option for your savings
With the backing and solvency of the Santander Group
Want to save?
6-Month Open Deposit New Customers
Earn interest on your savings at 2.01% APR1 and 2.00% annual NIR
over 6 months with your salary or monthly income (€600 min2.)
Earn interest at 2.27% APR3 and 2.25 annual NIR on up to €1,000,0000 for 6 months. Plus, withdraw your money whenever you want4.
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 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 €15.
- 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 Representative example of interest for the 6-Month Open Deposit with a balance of €25,000 and interest settlement at the end of the term: (i) if all conditions are met, 2.01% APR and 2.00% annual NIR will be applied, and the gross interest would be €250; (ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €600, which must not come from another Openbank account, is not set up for at least 4 months, 1.00% APR and 1.00% annual NIR will be applied, and the gross interest would be €125; (iii) in both cases, if you fail to comply with the 6-month term and only hold the balance for 3 months, for example, 0.20% APR and annual NIR will be applied, and the gross interest would be €12.50.
2 Salary, pension, unemployment benefit or monthly income of at least €600/month for at least 4 months.
3 Interest for the first six (6) months. Monthly interest settlement.
Representative example of interest earned with a constant balance of €25,000 for 6 months at 2.27% APR, 2.25 annual NIR: gross annual interest of €281.25.
During the first six (6) months: 2.27% APR and 2.25% annual NIR on up to €100,000. For any balance over €1,000,000, interest will be earned at 0.20% APR and 0.20% annual NIR with no limit.
4 No fees for maintenance, administration and closure.
5 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.
6 Salary, pension, unemployment benefit or monthly income of at least €900 for at least 3 months.
7 Total incentive: up to €500 (before tax). Payment of the incentive constitutes investment income, subject to withholding tax, at the current rate of 19%, which will be applied by Openbank in accordance with applicable tax regulations. Customers must declare the incentive received in the savings tax base of their personal income tax (IRPF) return. Customers are entitled to the deduction of the withholding tax applied.
*Open Current Account, with no fees for account maintenance, administration or closure, and an Open Debit Card with no fees for issuance or renewal for the main holder. Read the Fee Information Document for the Welcome Savings Account and the Pre-contractual Information for the Open Debit Card.
Account services and security
Password Manager Databank
A secure way to store the information you want to protect, which only you can access.
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.
You can report any breach of Openbank’s General Code of Conduct or corporate principles 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.
Find us on:
