Open Credit Card

Issuance is free and renewal also if you set up direct deposit for your salary, pension or regular income of at least €900, use your card once a month or choose the Deferred Payment option. Otherwise, card renewal is €2 per month.

• Transferring cash from your current account to your card is free too.

• The Secure E-Commerce system and text Alert Service are free. 

• Withdraw cash on credit at ATMs: 3.90% Minimum amount per transaction: €3.90
• Withdraw cash at other banks' ATMs in Spain: you will only pay the fee shown at the ATM.
• Withdraw cash at other banks' ATMs in the EU. You will only pay the commission shown at the ATM.
• Withdraw cash at other banks' ATMs outside of the EU. 5% of the cash withdrawn. Minimum: €3
• Purchasing in foreign currencies: 3% of the amount. Minimum: 2€
• Transfer cash from your current account to your Open Credit Card: free.
• Transfer cash from your Open Credit Card to your current account: 3.90% of the amount transferred. Minimum: €3.90
• Monthly fee for alert service (text alerts of payments made with the card): free.

Of course, you can choose the option that best suits you at any time.

• Deferred payment:

It defers the payment of what you spend with fixed or variable repayments. The minimum you can defer is 5% of the credit limit of your card, with a minimum fee of  15€.

The interest rate for deferring your payment is 1,50% monthly, 18,00% annual NIR (APR 19,56%).

Example for a purchase of 1.500€ made on the 1st of the month, with a deferred payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 18,00%; APR 19,56%; 11 repayments of 137,52€ and a final payment of 137,51€. Total amount of the credit: 1.500€ Total amount owed: 1.650,23€. Total cost of the credit: 150,23€. The card issuance fee of 0€ has been included in the calculation. This example does not anticipate the existence of new uses of the credit line at this time, nor incidents with repayments.

• Defer your purchase:

You can split any of your purchases over 60 € into various instalments,  between 2 and 36 months  

The monthly interest rate for deferring your purchase is 1,39% monthly, 16,67% annual NIR (APR   18,00%).

Example: For a DEFERRED PURCHASE of 1.000€ made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 16,67%; APR 18,00%; 11 repayments of 91,05€ and a final payment of 91,03€. Total amount of the credit: 1.000€ Total amount owed: 1.092,58€. Total  cost of the credit: 92,58€. The APR and total amount that you must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the Parties fulfil their obligations within the agreed conditions and deadlines.

• Pay later:

You can delay all or part of the card payment at the end of the month for one month. The minimum to delay is 3% of the total bill and/or 25€.

The monthly interest rate for paying later is 1,39% monthly, 16,67% annual NIR (APR   18,00%​​​​​​​).

Example for "Pay Later" the following month of 500€ at a nominal annual interest rate of 16,67%; APR 18,00%; The calculation of interest assuming 31 days of deferment of the repayment until the following settlement is 6,95€, assuming a total amount of the credit: 500,00€ Total amount owed: 506,95€. Total cost of the credit: 6,95€. The APR and total amount that you must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the Parties fulfil their obligations within the agreed conditions and deadlines.

If you prefer, a single payment without interest or fees. All the cash you withdraw at ATMs or that you use for purchases will be paid off in your account on a monthly basis.

Yes, you can defer payments of more than €60 charged to the account associated with your credit card. The money will be instantly transferred to the account, decreasing the amount of the limit available on your card. Choose a period of between 2 and 36 months to finance it. You can defer payments for the last 3 months that are shown in the list of transactions using the ‘Defer your payment’ option - ask to do so on either the website or app.

The monthly interest rate for deferring payments is 1.39% nominal monthly, 16.67% annual NIR (APR 18.00%). For a deferred purchase of €1,000 over 12 months, made on the 1st of the month, with a regular payment method involving a fixed repayment in 12 months, on the presumption that there are no more deferred purchases in that period and the contractual terms have not been breached. Annual nominal interest rate: 16.67%; APR 18.00%; 11 repayments of €91.05 and a final payment of €91.03. Total amount of the credit: €1,000. Total amount owed: €1,092.58. Total cost of the credit: €92.58. The APR and total amount that you must pay are calculated on the presumption that the contract will remain in force for its entire term and that the parties comply with their obligations in accordance with the terms and deadlines agreement.

Yes, free insurance agreed with Santander Seguros y Reaseguros S.A. If you have an accident and you are a cardholder, the maximum indemnification is 6.010,12€. 

And if you have purchased a journey on public transport with the Visa card, in addition to covering you as the card holder, the insurance also covers up to 5 people whose travel is charged to the card. Maximum indemnification: 120.202,42€.

Find out about all the details and cover in your corresponding policy.

If you aren’t a customer yet you only have to open a fee-free current account here. 

Enjoy exclusive discounts when paying with your Openbank cards on great brands such as Galp, Telepizza, Iberia, Cortefiel, Women’secret, VIPS, Cines Cinesa, Yelmo y Kinépolis, Europcar, Booking.com and many more. Discover all of our discounts here.

We make it extremely simple for you. Call us on +34 91 177 33 37​​​​​​​ if you aren't a customer yet. Our team of professionals will help you with everything you need.