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.

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

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

Simple

Deposits are easy to understand, making them a perfect option for a more conservative saving profile.

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 at 2.50%

Earn interest on your savings at 2.50%APR and 2.48% annual NIR over 6 months 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.

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

²Representative 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, 2.50% APR and annual NIR will be applied, and the gross interest would be €310.56; (ii) if all conditions are not met, 1.25% APR and annual NIR will be applied, and the gross interest would be €155.75; (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.

Salary, pension, unemployment benefit or monthly income of at least €900 for at least 4 months, in a current account of which you are the holder and which is linked to the deposit. Please note that the interest rate applies only to new funds transferred from outside the bank that increase your total balance with Openbank compared with your balance as of 30 June 2026.