T&Cs, risks and KIID apply
Conditions apply
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Risks apply
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
3-Month Open Deposit
Earn interest on your savings at 2.58% APR3 and 2.55% annual NIR over 3 months with your salary or monthly income (€600 min.)2
6-Month Open Deposit
2.78%1 APR and 2.76% annual NIR
With your salary or monthly income2 (min.€600)
Earn interest at 2.27% APR4 and 2.25% annual NIR for the first 12 months on any balance of up to €100,000. Plus, you can withdraw your money whenever you want5.
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 manager6, 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 €17.
- 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 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, 2.78% APR and 2.76% annual NIR will be applied, and the gross interest would be €345; (ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €600 (that do not come from another Openbank account) is not set up for at least 4 months, 1.77% APR and 1.76% annual NIR will be applied, and the gross interest would be €220; (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.
2 Salary, pension, unemployment benefit or monthly income of at least €600/month for at least 4 months for the 6-Month Open Deposit, and at least 2 months for the 3-Month Open Deposit.
3 Representative example of interest for the 3-Month Open Deposit with a balance of €25,000 and interest settlement at the end of the term: (i) if all conditions are met, 2.58% APR and 2.55% annual NIR will be applied, and the gross interest would be €159.38;
(ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €600 (which must come from another bank), is not set up for at least 2 months, 1.56% APR and 1.55% annual NIR will be applied, and the gross interest would be €96.88;
(iii) in both cases, if you fail to comply with the 3-month term and only hold the balance for 1 month, 0.20% APR and annual NIR will be applied, and the gross interest would be €4.17.
4 Interest for the first year. Monthly interest settlement.
Representative example of interest earned with a balance of €25,000 held for 12 months at 2.27% APR and 2.25% 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.
5 No fees for maintenance, administration and closure.
6 Source: Morningstar, 2023.
7 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.
8Gross payment of €250. 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.
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.