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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.

You work hard. See it pay off!

Bring your salary to Openbank and watch the benefits add up fast

1
0.50% back on your direct debits
Get cashback on your main household bills: electricity, gas, phone and internet.
2
More for your savings
Earn more interest on your money across our savings products, including the savings account or the Open Deposit at 2.01% APR1, 2.00% NIR.
Lower rate on your mortgage
Get up to 0.30% off your mortgage interest rate.
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A backup when you need it most

Get access to an overdraft2 when you bring your salary over to Openbank

✔ Access extra funds when you need them—whether it’s for an unexpected expense or you’re waiting on a payment

✔ Pay only for what you use and the time it takes to pay it back

✔ No set-up or arrangement fees

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1

Unlock more possibilities for your future

From loans to credit cards or higher limits — having your salary with us makes it easier.

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Everything at your fingertips

Bring your salary over, manage your bills, track your accounts … a world of possibilities in your pocket.

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Don’t have your salary with us yet? Take your everyday banking further

Get €360 extra plus a year of unlimited travel perks when you bring your salary over (€1,200 min.)

✔ €360 (€30 per month before tax)

✔ €03 fees on purchases and cash withdrawals worldwide

Only until 05/05/2026 (inclusive).

Code: NOMINA360

Conditions apply. Only for customers who have been with Openbank for at least 12 months.

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1 REPRESENTATIVE EXAMPLES of interest for the 6-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, 2.01% APR and 2.00% annual NIR will be applied, and the gross interest would be €250.00; (ii) if a salary, pension or unemployment benefit is not set up as a direct deposit, or regular monthly deposits of at least €600 are not made, from outside the bank, for at least four months, 1.00% APR and 1.00% annual NIR will be applied, and the gross interest would be €125.00; (iii) in both cases, if you fail to comply with the 6-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 Overdraft subject to approval following risk assessment. T&Cs apply.

3 No fees charged by Openbank. Mastercard may apply a mark-up to European Central Bank's exchange rates.

This risk indicator corresponds to the Openbank Payroll Acoount
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 up to €100,000 per depositor in each credit institution.