Open Credit Card

One card, a lot of flexibility. Take it out for free.

Open Credit
No fees
No fees
It's free to take out and renew the card if you set up a direct deposit for your salary or use the card once a month.
More flexibility
More flexibility
Settle your expenses in a lump sum or split them into fixed or variable instalments (19.56% APR2, 18% annual NIR).
Pay at your own pace
Pay at your own pace
Finance your purchases or payments of €30 or more over 1 month interest-free (0% APR3, 0% annual NIR) or split the payment into instalments over 2 to 36 months (14.93% APR4, 14% annual NIR).
Total security
Total security
3D Secure Code System and free SMS payment confirmation alerts.
More convenient
Flexible options for less hassle in your day-to-day.
  • With the Open Credit Card, you can make online or in-store purchases at any payment terminal that accepts Visa.
  • With contactless technology, all you need to do is hover your card over the terminal for payments under €50. 
  • And with its credit options, you have up to €6,000 available per month5.
Free
More and more advantages with no fees!Find out more
Security and peace of mind from day one
The card that's got your back.Find out more

1 0% annual NIR, 0% APR. Representative example for €1,500 drawn and repaid in a lump sum at the end of the month: 0% NIR; 0% APR; Total amount borrowed: €1,500. Total amount due: €1,500. Total cost of the credit: €0. Card issuance fee: €0. Free issuance and renewal, subject to conditions.

Representative example for €1,500 drawn on 1st of the month, with financed payment option (revolving credit), and 48 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 18.00% NIR; 19.56% APR; 47 instalments of €44.06 and a final instalment of €44.25. Total amount of credit: €1,500. Total amount owed: €2,115.07. Total cost of credit: €615.07. The calculation includes the card issuance fee: €0. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. The APR and the total amount to be repaid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. Therefore, for this specific example, the cash purchase price would be €1,500 and the total amount to be repaid in instalments would be €2,115.07. 

3 Representative example for a purchase of €200 settled one month later: annual NIR: 0%; APR: 0%. Monthly repayment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interests: €0. French amortisation schedule.

4 Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortization schedule. Therefore, for this specific example, the cash purchase price would be €200 and the total amount to be repaid in instalments would be €204.68.

5 Credit subject to prior approval by Openbank's Risk Department.

See the terms and conditions of the policy.

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