Defer your payments

Defer your purchases

5% returns purchases

Get up to 5%

cashback

Promotional code: APLAZAYA

Become a Customer

What’s the promotion?

Now with Openbank, you can save when you go shopping! When you defer any purchase and payment in your account over €60, from 2 to 36 months, you get cashback on 5% of the amount (maximum cashback will be €30 net).

How can you take part in the promotion?

Simply:

  • Click on “Join the promotion” and enter the code APLAZAYA by 30 April 2019.
  • Defer payment of at least one purchase or payment equal to or greater than €60 between 27 February and 30 April 2019.
  • In May 2019 you will receive a refund of up to €30 net.

If you don't have your credit card yet, you have several options:

  • Open Credit Card: apply for it for free and renew it for free if you arrange to have your salary or pension directly deposited, have regular income of at least €900, use the card once a month or choose the Deferred Payment option. Otherwise, it will cost you €2 to renew the card each month. For more information, click here.
     
  • Premium Cards Pack: Debit and Credit Cards Pack full of advantages and benefits. For more information, click here.
     
  • Diamond Cards Pack: Our most exclusive Debit and Credit Cards Pack with very special benefits. For more information, click here.

Please note that:

  • You must be an individual, and over 18 years old.
  • Be an Openbank customer as of 30 April 2019 (inclusively).
  • Be a resident in Spain.
  • You must be the holder of a current account that is operationally ‘Active’.
  • Own an Openbank credit card.
  • Deferred purchases with your Open Credit Card have an interest rate of 1.39% nominal monthly (16.67% annual NIR, APR 18.00%)¹.​​​​​​​
  • Deferred purchases with your Premium Credit Card or Diamond Credit Card have an interest rate of 0.79% nominal monthly (9.57% annual NIR, APR 10.00%)².
  • The maximum cashback amount for total deferred purchases per customer and contract is €30.

 

¹Example of payment in instalments with Open Credit of €1,000 made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, assuming that there are no more deferred purchases in that period and there is no breach of contract. Annual nominal interest rate: 16.67%; APR 18.00%; 11 repayments of € 91.05 and a final payment of € 91.03. Total amount of credit: €1,000. Total amount owed: €1,092.58. Total cost of the credit: €92.58. The APR and total amount that the holder must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the parties fulfil their obligations within the agreed conditions and deadlines.

²Example of payment in instalments with Premium Credit or Diamond Credit of €1,000 made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, assuming that there are no more deferred purchases in that period and there is no breach of contract. Annual nominal interest rate: 9.57%; APR 10.00%; 11 repayments of €87.72  and a final repayment of €87.67. Total amount of credit: €1,000. Total amount owed: €1,052.59. Total cost of the credit: €52.59. The APR and total amount that the holder must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the parties fulfil their obligations within the agreed conditions and deadlines.

The bonus is a monetary movable capital subject to a cash withholding of 19% that will be applied by the Bank and the remaining sum will be credited to the customer. The customer will declare this movable capital in their personal income tax return as savings, deducting the withholding applied.

Promotional code:
APLAZAYA
Validity date of the promotion:
From 27 February 2019 to 30 April 2019
Payment date:

May 2019

Promotion terms and conditions: