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The risk indicator corresponds to all Openbank accounts and deposits. The liquidity alert applies only to deposits.
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 2.25% APR1 and annual NIR.
Lower rate on your mortgage
Get up to 0.30% off your mortgage interest rate.
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And extra peace of mind, too

✔ You can request a salary advance with your overdraft2.

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

✔ No set-up or arrangement fees

Find out more
1

Unlock more possibilities for your future

When you need a loan, a credit card or higher limits, having your salary with us opens more doors.

Find out more

Don’t have your salary with us yet? Here’s how to set it up

1. Log in to the app and copy your IBAN. You’ll find it on the home screen.

2. Share it with your employer.

3. Need an account ownership certificate? Download it from the app: Accounts > Account details > Certificates.

Need a hand? Call us on +34 91 362 62 00 or 900 200 128.

And that’s on top of all the benefits you already enjoy as an Openbank customer

Save 2% on your Amazon.es Gift Card
€0 fees on domestic and international transfers in available currencies.
Enjoy your debit and credit cards with €0 fees3.
24/7 support from real people, whenever you need it.
Download the app and take us with you

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

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1 REPRESENTATIVE EXAMPLE of interest for the 12-Month Open Deposit with a balance of €25,000 and interest settlement at the end of the term: (i) if all conditions are met, 2.25% APR and annual NIR will be applied, and the gross interest would be €562.50; (ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €900, which must not come from another Openbank account, is not set up for at least 10 months, 1.25% APR and annual NIR will be applied, and the gross interest would be €312.50; (iii) in both cases, if you fail to comply with the 12-month term and only hold the balance for 6 months, for example, 0.20% APR and annual NIR will be applied, and the gross interest would be €25.00.

2 Overdraft approval is subject to risk assessment. See T&Cs here.

3 Debit card with no issuance or renewal fees for the main cardholder. Credit card approval is subject to a risk assessment.

See the pre-contractual information for the cards.

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.