The risk indicator corresponds to all Openbank accounts as well as the deposit. The liquidity alert only applies to the 12-Month Open Deposit.
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.

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?

They are a safe option in an unstable market context, as the interest is agreed and set from day one.
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.
6-Month Open Deposit

6-Month Open Deposit

Up to 3.07% APR2 and 3.05% annual NIR when you increase your balance and bring your salary or monthly income to Openbank. Until 1 November only!

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 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 (that do not come from another Openbank account) 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.