The risk indicator corresponds to all Openbank accounts and deposits. The liquidity alert applies only to deposits.

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.

Open Deposits for new funds

Earn interest on the money you bring over to Openbank

Open your deposit

Choose your deposit and start saving

6-Month Open Deposit

At 0.50% APR¹ and annual NIR

12-Month Open Deposit

At 1.00% APR²and annual NIR

18-Month Open Deposit

At 1.50% APR³ and annual NIR

Why choose our Open Deposits?

Interest from day one

Earn interest from day one and the first euro.
The interest will be paid directly into your current account at the end of the fixed term.

No fees

No early withdrawal fees.
You can withdraw your money whenever you want. We will return all your savings plus an extra 0.20% APR^{1,2 and 3}and annual NIR earned on your balance for as long as it was held.

For new funds

If you're already a customer, the money you pay into your deposit must increase the total balance you held at Openbank on 28 February 2022. 
You can make a transfer from another bank, set up a direct deposit for your salary, pay in cash, etc.
And from just €1!

See the pre-contractual information for the 6-Month Open Deposit

See the pre-contractual information for the 12-Month Open Deposit

See the pre-contractual information for the 18-Month Open Deposit

Open your deposit

Want to learn more about the Open Deposits?

How does this fixed-term deposit work?

Can you withdraw your money before the end of the fixed term?

Are there any applicable fees for closing the deposit?

How can you open your deposit?

Need more information?

¹ Representative example for a deposit of €25,000 at 0.50% APR and annual NIR over 6 months:

- If you comply with the 6-month term, the gross interest paid at maturity (at the end of the term) would be €62.50.

- If you do not comply with the 6-month term and only hold the balance for 3 months, (0.20% APR and annual NIR), the gross interest paid at the end of the term would be €12.50.

²Representative example for a deposit of €25,000 at 1.00% APR and annual NIR over 12 months:

- If you comply with the 12-month term, the gross interest paid at maturity (at the end of the term) would be €250.00.

- If you do not comply with the 12-month term and only hold the balance for 6 months, (0.20% APR and annual NIR), the gross interest paid at the end of the term would be €25.

³Representative example for a deposit of €25,000 at 1.50% APR and annual NIR over 18 months:

- If you comply with the 18-month term, the gross interest paid at maturity (at the end of the term) would be €562.50.

- If you do not comply with the 18-month term and only hold the balance for 6 months, (0.20% APR and annual NIR), the gross interest paid at the end of the term would be €25.