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The risk indicator corresponds to all Openbank accounts as well as the deposit. The liquidity alert only applies to the 6-Month Open Deposit.
1/6
This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest risk.
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.
Liquidity alert:
The redemption, withdrawal from the deposit, or early cancellation of all or part of the principal invested are subject to fees or penalties.

Bank deposits

A safe way to earn interest on your savings.

Open deposit

What is a bank deposit?

It is a savings product in which you earn safe and stable interest in exchange for holding your money in the account for a fixed term. At the end of the term, the bank returns your savings plus the previously agreed interest.

What are the benefits of deposits?

Stable
Stable
They are a safe option in an unstable market context, as the interest is agreed and set from day one.
Simple
Simple
Deposits are easy to understand, making them a perfect option for a more conservative saving profile.
Safety net
Safety net
Deposits are backed by Spain's Deposit Guarantee Fund for Credit Institutions with a maximum of up to €100,000 per depositor1 in each credit institution.
Depósito 4 meses

4-Month Open Deposit

4-Month Open Deposit: up to 2.78%2 APR and 2.75% annual NIR with your salary or monthly income.

Find out more

Start saving with our bank deposits

If you're a customer, open your deposit by calling 91 177 33 10 or 900 22 32 42. If you're not a customer yet, call us on 91 177 33 37 or 900 36 53 66.

1 Fondo de Garantía de Depósitos de Entidades de Crédito [Spain's Deposit Guarantee Fund for Credit Institutions | List of member banks.

2 Representative example of the 4-Month Open Deposit with a balance of €25,000 and interest settlement at the end of the term: (i) if all conditions are met, 2.78% APR and 2.75% annual NIR will be applied, and the gross interest would be €229.17; (ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €900, which must not come from another Openbank account, is not set up for at least 3 months, 1.76% APR and 1.75% annual NIR will be applied, and the gross interest would be €145.83; (iii) in both cases, if you fail to comply with the 4-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.