Fee-free1 Current Account
Free to open, maintain or close the account.
Free standard transfers
In euros within Spain and the EU.
Free Debit Card
Open an account and get one for free if you are the main holder.
Add your Openbank cards to your mobile or smart watch and pay at any contactless reader.
Say goodbye to fees
No opening, maintenance or closing fees1.
Free domestic and international standard transfers (within the EU), in euros.
No fees for debit card cash withdrawals at more than 7,500 Banco Santander ATMs in Spain with your Open Debit Card, which is free for the main holder.
An account and card packed full of advantages
Add your Openbank card details to your mobile or smart watch and easily pay at any contactless reader. Plus, with Open Discounts, you save money when you use your cards to pay at top brands.
Invite up to 4 co-holders or authorised users to share your account.
With the Openbanking® Financial Aggregator, you can add your accounts at other banks operating in Spainto keep an eye on them all at once at Openbank.
Total security for your cards with Card Control. You can turn your cards on and off at any time or limit their use at ATMs, online shopping and by location.
You control the devices you use to access your account and choose whether you want to block or log out of them.
Use the Password Manager service to save and manage your passwords and store them in a safe place. Plus it's free!
1 0% NIR and 0% APR.
Representative example of remuneration with a constant balance of €10,000 during the first year at 0% annual nominal interest (0% APR), remuneration of €0 gross per year.
Become a customer in less than 10 minutes
Fill in your details
Fill in your personal details and choose your passcode.
Identify yourself through a video call
Or do so using your account number from another bank.
Use an SMS code to sign the contract electronically, online.
Want to learn more about the Open Current Account?
Do I have to meet any special criteria or requirements to open the current account?
To open an account, you have to be of legal age, a resident in Spain, and hold a valid ID document.
What can you do with your Open Current Account?
You can carry out everyday banking: deposit and withdraw cash, transfer money, and arrange to have your salary paid into your account or your bills paid by direct debt from the same account.
What are the fees?
The Open Current Account is a fee-free account (0% NIR, 0% APR1) , so you won't pay anything to open, maintain, or close it, or for some of your everyday banking transactions:
• National and international transfers in euros within the EU.
• Paying bills by direct debit.
• Debit card cash withdrawals at more than 7,500 Banco Santander ATMs in Spain.
• Depositing cash free of charge at more than 1,800 new Banco Santander ATMs in Spain.
See the applicable fees for using the main services associated with the payment account in the Pre-Contractual Information.
Does it include the Open Debit Card?
Yes. When you become a customer and open the Open Current Account, you get an Open Debit Card for free if you are the main holder. The issuance and annual renewal of additional cards for other co-holders will cost €18 per card.
You can use this card, associated with your Open Current Account, to make payments and withdraw cash with no applicable fees at over 7,500 Banco Santander in Spain.
You can also add your Openbank card details to your mobile or smartwatch and pay at any contactless reader. We support the following main platforms: Openbank Mobile Payment, Apple Pay, Google Pay, Samsung Pay, Fibit Pay and Garmin Pay.
Can you add more people to the Open Current Account?
Yes, you can include up to 4 additional holders and/or authorised users. They must be of legal age, reside in Spain, and hold a valid ID document.
The holders will have the same authorisations and tax obligations as you. They can also close the account and apply for any product.
The authorised users do not have tax obligations and can carry out all kinds of banking transactions; however, they cannot close the account or apply for financing.
The holders and/or authorised users you invite to share your new account can be both new or existing Openbank customers.
How do you open a Current Account?
You get your fee-free1 Open Current Account when you follow the online process to become a customer. Click here and open your account in less than 10 minutes.
If you prefer, you can also open your fee-free1 Current Account by visiting our branch or by calling (+34) 91 177 33 37.
1 0% NIR and 0% APR.
Need more information?
If you would like to find out more about how to open your current account, call us on (+34) 91 177 33 37 at any time of the day, any day of the week.
Get discounts paying with your Openbank cards