Investment Funds

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 1,700 index and actively managed investment funds in which you can invest from one euro or less. Try using our fund finder tool.

At Openbank, you can find more than 1,500 investment funds where you can invest from €1 or less. What’s more, we don’t charge transfer, subscription, custody or redemption fees.

We offer ESG investment funds from leading fund managers. These funds follow environmental, social and good governance criteria. In addition to contributing positively to society and the environment, this type of investment offers greater efficiency and stability in the medium and long term.

You can also find funds that invest in stocks (companies) in a specific sector, such as healthcare or technology, and, of course, funds in various currencies.

We also sell passively managed or index funds, which offer lower management fees compared to actively managed funds, as they replicate and track indexes.

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.

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 1,700 investment funds we offer.

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:

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:

Openbank does not charge any custody fees.

You can invest in a fund through the website and from our app. You have more than 1,700 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 with 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 penalty. 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.

Take a look at the 'Why invest in Investment Funds' section where you will find this information in greater detail.

We make it simple. Call (+34) 91 177 33 16 and our team of investment fund professionals will be glad to help with whatever you need.