This number is indicative of the risk of the product, 1/6 indicating the least risk and 6/6 the most risk.
Bank forming part of the Spanish Deposit Guarantee Fund for Credit Institutions. For money deposits, the amount guaranteed is €100,000 per depositing party at each credit institution.
The risk indicator refers to the Open Current Account, Open Payroll Account, Openbank Savings Account, Welcome Savings Account, Openyoung Savings Account and the 13-month Deposit.
Reimbursement, redemption or early repayment of part or all of the principal invested is subject to charges or penalties. This liquidity alert refers to the 13-month Deposit.
Get more with your savings! Increase the balance of your accounts and/or deposits1 between 31 January and 31 May 2019 and win:
- A double cinema ticket2 if you increase your balance between €5,000 and €15,000.
- An El Corte Inglés gift card of €203 if you increase your balance by more than €15,000.
How can you take part in the promotion?
- Click on “Join the promotion” and enter the code AHORRO19 until 31 May 2019
- Begin saving! Make deposits and/or transfers to any of your accounts and/or deposits at Openbank from 31 January to 31 May, 2019.
You will be sent an SMS telling you that the reward will be delivered in June 2019. Only one double cinema ticket or El Corte Inglés gift card of €20 will be awarded per eligible customer.
Remember that you can also enjoy the following benefits with your Openbank Savings Account:
- No fees.
- Get an annual return of 0.40% NIR and APR4 if you arrange to have your salary or pension of at least €600/month directly paid into your account, or to have three monthly or bimonthly bills paid by direct debit. Otherwise, the yield will be 0.10% APR and annual NIR5 .
- Your savings grow from the first euro and the first day.
- Your money is always available whenever you need it.
What criteria must I meet to be able to take part?
- You must be an individual, and over 18 years old.
- Be a resident in Spain.
- Be an Openbank customer as of 31 May 2019 (inclusively).
- Be the first holder of an account with 'Active' operating status with a date prior to 31 May 2019 (inclusively).
- To have increased the total balance in accounts and/or deposits of which the customer is the first holder between 31 January, 2019 and 31 May, 2019;
- Keep at least 50% of that balance increase for 6 months following the end of the campaign.
- The provision of this reward is considered as income from movable capital paid in kind, subject to a tax payment on account of 19%. This tax payment on account will not be passed on to the customer. In the savings base of their personal income tax, the customer must include this income plus the tax payment on account or withholding not passed on.
1 The customer must be the first holder of at least one of the following products: Open Current Account, Open Payroll Account, Openbank Savings Account, Welcome Savings Account, OpenYoung Savings Account and 13-month Deposit.
2 Cinema ticket valid for two people from Monday to Sunday for the same showing. The ticket is exchanged directly in the box office. Check which cinemas are taking part in the promotion at www.inticketpremium.es. Code valid until 30/06/2020. The code can only be exchanged once.
3 The customer must redeem the code in the Customer Service section of any Hipercor or El Corte Inglés. Code until 30/09/2019. Once you receive your physical card, it does not expire. The code can only be exchanged once. For further information on how to redeem the code, customers should contact 91 737 22 42 or firstname.lastname@example.org.
5 Example of interest for the Savings account with an average balance of €6,000 for 1 day without meeting the criteria, the monthly gross interest would be €0.50.