No. There are no application, maintenance or renewal fees¹. Plus, you can pay in any currency with no foreign transaction fees charged by Openbank².

• €0 to apply for the credit card¹
• €0 issuance fee¹
• €0 maintenance or renewal fees¹
• €0 fees from Openbank when paying in any currency²
• €0 to transfer money from your current account to your Open Credit Card

Other services may come with a fee:

• Travel+: €2.99/month, only when you switch it on.
• 3.90% to transfer money from your Open Credit Card to your current account. Minimum fee: €3.90.
• 3.90% for cash withdrawals at ATMs in Spain or the EU. Minimum fee: €3.90.
  In addition to this fee, at ATMs operated by other banks in Spain or the EU, the ATM provider may charge a fee. You'll be shown this before confirming the withdrawal.
• 4.5% of the amount withdrawn at ATMs operated by other banks outside the EU. Minimum fee: €3.

See the full terms and fees here.

Yes. Choose the payment option that works best for you:

• Pay in full at the end of the month: clear everything you’ve spent during the period in one payment.
• Fixed monthly payments: choose a set amount to repay each month using revolving credit.
• Flexible monthly payments: choose a percentage or variable amount to repay each month using revolving credit.

You can switch payment options whenever you like in the app.

Any eligible card purchase of €30 or more can be deferred. You can:

• Pay in 30 days at 0% APR⁴ (0% annual NIR).
• Finance over 2 to 36 months at 14.93% APR⁶ (14% annual NIR).

You can also defer eligible current account expenses of €30 or more. Look for “Pay later” next to eligible transactions in your account.

Your Open Credit Card can have a credit limit of up to €6,000, although your individual limit will depend on Openbank’s credit assessment. You can view your limit and request changes to it in the app.

If you’re already an Openbank customer, you can apply for the Open Credit Card directly in the app. Choose your credit limit and payment option, review the pre-contractual information and sign your application.

Approval is subject to a credit assessment by Openbank.

With a debit card, the money comes directly out of your account when you make a purchase.

With a credit card, you have more flexibility: buy now and decide how to pay it back, either in full at the end of the month or over time with fixed or variable monthly payments (revolving credit).

Learn more about credit vs debit cards on our blog.

PlazoX lets you split eligible purchases into instalments at checkout, both in-store and online at participating retailers.

You’ll know upfront how much you’ll pay each month, so you can choose whether to pay for your purchase in full or spread the cost over several instalments.

Yes. You can use your Open Credit Card to pay in any currency with no foreign transaction fees charged by Openbank². You don’t need to activate Travel+ to enjoy this benefit.

For even more travel benefits, you can activate Travel+ for €2.99/month.

If you’re travelling, Travel+ gives you extra peace of mind on your trip.

For €2.99/month, you get:

• Up to 5 fee-free cash withdrawals per month at any ATM worldwide.
• Travel assistance insurance⁸ and accident insurance when you pay for your tickets with your Open Credit Card.

Plus, you can switch Travel+ on only for the months you need it and manage it easily in the app.

As purchases aren’t charged automatically, you can review them before they’re charged to your account.

Plus, in certain situations, you may be able to cancel a transaction³ before it’s fully processed.