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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.
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The redemption, withdrawal from the deposit, or early cancellation of all or part of the principal invested are subject to fees or penalties.

Pocket €50 and earn interest at 2.78% APR1 and 2.75% annual NIR with your 4-Month Open Deposit and salary2!

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Promotional code:

BLACKDEPO

Promotion valid:

18/11/2025 - 05/12/2025

Reward date:

First half of January 2026

See promotional T&Cs
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What’s the promotion?
Pocket €50 with the 4-Month Open Deposit. Plus, earn higher interest when you set up a direct deposit for your salary, pension or unemployment benefit or make regular monthly deposits of at least €900.

Get €50 when you open the 4-Month Open Deposit (€10,000 min.) and earn interest at 2.78% APR1 and 2.75% annual NIR when you set up a direct deposit for your salary.

How can you take part?
Just follow these simple steps:Find out more
  • Join the promotion using the code BLACKDEPO by 5 December 2025.
  • Open your 4-Month Open Deposit for new funds with a balance of at least €10,000 by 05/12/25 (inclusive).
What are the terms and conditions for taking part?
Don't forget to join the promotion!Find out more
  • You must be an individual over 18 years old.
  • You must be a resident in Spain and have an address in the country for correspondence purposes.
  • You must be an Openbank customer and an active Openbank current account holder.
  • You must open the 4-Month Open Deposit between 19 November 2025 and 5 December 2025, both inclusive, for an amount equal to or greater than €10,000.
  • The funds you pay into your deposit must increase the total balance you held in Openbank on 31 August 2025.
  • You must maintain the deposit opened for the entire 4-month term and at least 50% of the amount the deposit was opened for during the following 6 months after the end of the deposit term. Failure to comply with this commitment after the incentive has been awarded – even if the non-compliance is out of your control –, authorises Openbank to deduct from your account the proportional amount of the incentive awarded corresponding to the commitment period not met.
Please note that…
Take a look at the applicable taxation of this promotion.

Payment of the incentive constitutes investment income in cash, subject to withholding tax at the current rate of 19%, which the Bank deducts from the corresponding customers, paying them the resulting net amount. 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.Find out more

If you meet the terms and conditions, you will receive the incentive in the first half of January 2026.

1 Representative example of interest for the 4-Month Open Deposit with settlement of interest at the end of the term and a balance of €25,000: (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 salary, pension or unemployment benefit is not set up as a direct deposit, or regular monthly deposits of at least €900 are not made, which must not come from another Openbank account, for at least three months, 1.76% APR and 1.75% annual NIR will be applied, and the gross interest would be €143.83; (iii) in both cases, if you fail to comply with the 4-month term, 0.20% APR and 0.20% annual NIR will be applied, and, for example, the gross interest would be €12.50 for a balance held for three months.

2 Salary, pension, unemployment benefit or regular monthly deposits of at least €900 for at least 3 months.