From only €1 and with no additional fees
No custody, subscription, redemption or transfer fees. We only apply the asset manager’s fee for the fund you purchase.
More than 2,000 funds
You can invest in different assets, markets and sectors to reduce risk.
Access your money when you need it
Redeem part or all of your investment whenever you want.
You can contact our investment specialists on (+34) 91 177 33 16, Monday to Friday from 8:00 a.m. to 8:00 p.m.
Got investment funds at another bank?
Switch them to Openbank with no subscription, redemption, custody or transfer fees!
Contact our investment specialists on (+34) 91 177 33 16, Monday to Friday from 8 a.m. to 8 p.m. and they will handle the transfer arrangements and answer any questions you may have.
Why invest in funds?
- You save time. You don't need to research markets like the experts, as asset managers will take care of this for you.
- You diversify the risk. They are made up of a range of assets, so the possible return of some offset the potential losses of others. This way, you avoid putting all your eggs in the same basket.
- Tax benefits. You can transfer the money from one fund to another of your choice, whenever you want and without any fees. You are only subject to tax when you sell your investment.
- Always up to speed. When you invest in a fund, you will always have access to in-depth information: performance, composition, who manages it, and much more.
Please note that any investment carries some level of risk, including the lack of return, loss of invested capital, and/or the foreign exchange risk for non-euro denominated investment funds.
The level of risk, the fees and the information regarding each of the Investment Funds marketed by Open Bank, S.A. is detailed in the Prospectus or Key Investor Information Document for each of the Investment Funds, available on the individual pages for each fund at www.openbank.es/en and www.cnmv.es
There are more than 2,000 funds to choose from! These are just a few examples:
Funds to get you started as an investor
We have selected a series of funds to introduce you to this type of investment. This list includes multi-asset funds, a way to diversify your money by linking Equity and Fixed Income.
Sustainable investment funds (ESG)
These funds invest in companies that follow environmental, social and good governance criteria. This type of investment seeks to be more efficient and stable in the medium and long term. It also helps to maintain returns and even reduce volatility.
Funds that invest in your everyday companies
Current worldwide news has created new investment opportunities. These funds invest in companies that manufacture or distribute consumer goods and services, an industry with potential growth in the recovery period following the COVID-19 crisis.
Build your portfolio with predefined asset allocation models
Are you curious about investing in funds but not sure where to start? At Openbank, we have prepared 5 examples of investment fund portfolios with our market vision that you can change to your liking. An easy way to diversify your investment!
- Choose from our 5 portfolio examples.
- Change the weighting of each fund to your liking.
- Redeem as much as you want with no cancellation fees.
We invest for you using funds
If you prefer to save time and effort in deciding which funds to choose, our robo-advisor automated investment service puts your money to work for you without you having to do anything else. After answering a few short questions, we’ll offer you the strategies that are best suited to your profile.
The service will automatically rebalance your investment portfolio on the basis of market developments and the strategy that you select.
- Investments from €500.
- We invest your money in investment funds.
- Make regular contributions to your investment portfolio from €1.
- Redeem your investment whenever you want.
Don’t forget that engaging the robo-advisor automated investment service or investing in Investment Funds carry risks, including the lack of return and/or loss of principal invested. The value of the investment is subject to market fluctuations, and past performance is no guarantee of future results.
Do you want to know more about Investment Funds?
Please get in touch with our investment specialists on (+34) 91 177 33 16 – they will handle the transfer and you won’t be charged anything. Don’t forget that you will need your signature key (8 digits) to issue an order for the transfer. We also recommend having the following to hand:
- ISIN of the fund you wish to transfer and your Common Account Number in that fund. If the fund is international, we will ask you to provide the name of the bank or savings bank in which you hold the fund in order to identify the distributor.
- ISIN of the target fund. This must be a fund offered by Openbank. We have more than 2,000 index funds and actively managed funds to choose from, as well as funds with more accesible asset classes. Try using our Fund Finder to find one that suits you.
You will need to indicate if you are requesting a total or partial transfer (by amount or shares). Don’t forget that in order to process your transfer request, the holders of the source and target funds must match. This operation carries no fiscal implications and you will maintain the seniority of the transferred shares.
As soon as your funds are available in Openbank, you can carry out the following online and at no charge whatsoever:
- Purchase new funds.
- Additional subscriptions.
- Internal transfers.
Openbank does not charge any custody fees.
You can invest in a fund on our website and app. You have more than 2,000 index and actively managed funds available to invest from one euro or less. Plus, we don’t charge any transfer, subscription, custody or redemption fees.
You can also check out these examples of diversified fund portfolios with various risk levels and no additional costs for you. You can replicate them or adjust them according to your own market vision, using index funds or actively managed funds.
If you prefer, we can invest for you. From an initial investment of €500 and with no need for you to be an expert, we engage the advisory services of BlackRock®, with no cancellation fee. Check out the results of our automated investment service.
And don’t forget, our experienced AFI-certified team of investment specialists are on hand to help on (+34) 91 177 33 16.
It consists of money that is pooled by various investors and invested and managed by financial market specialists. Its main appeal is that you can obtain a higher return than by investing on your own.
To invest in a fund, all you have to do is buy one or more shares/units of the fund. This makes you a participant. Invest at any time and from very small amounts.
There are many types of investment funds: sustainable investment funds (ESG funds), which follow certain environmental, social and good governance criteria to invest in companies; funds that invest in stocks (companies) in a particular sector; index funds (which replicate the composition of an index to allow you, for example, to "invest as if a part of the Ibex 35 were yours") or actively managed funds (in which a management team studies the companies where it wants to invest the participants' money.
Openbank offers more than 2,000 index and actively managed investment funds in which you can invest from one euro or less. Try using our fund finder tool.
The management and deposit fees indicated in the prospectus of each fund shall be deducted from the net asset value of the fund. Openbank does not charge transfer, subscription, custody or redemption fees, and you can invest from €1 or less in most of the 2,000 investment funds we offer.
In the breakdown of each fund, you can check the risk levels from 1 to 7 established in accordance with the current regulations, so that you can invest in the investment fund that is most suited to your profile. Remember that past performance is no guarantee of future returns.
Please note that any investment in financial markets carries a risk, including the potential risk of loss of invested capital or lack of return. Expected returns are not a reliable indicator of future performance.
You can redeem your investment whenever you wish, plus any gains –net of losses– you have generated. A specific waiting period only applies in the case of guaranteed funds.
You are free to change from one fund to another at any time and spread your investment between different markets, and without having to pay taxes until you have received your redeemed investment.
Don’t forget that Openbank does not charge any redemption fees.
We make it simple. Got any queries or can’t find the investment fund you’re looking for? Get in touch with our investment specialists on (+34) 91 177 33 16, from Monday to Friday from 8 a.m. to 8 p.m. and they will be glad to help.
For further information, check out the Why invest in investment funds section.