The risk indicator corresponds to all Openbank accounts as well as the deposit. The liquidity alert only applies to the 6-Month Open Deposit.
This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest risk.
Member Bank of Spain's Deposit Guarantee Fund for Credit Institutions. For cash deposits, the maximum guaranteed amount is €100,000 per depositor in each credit institution.
Liquidity alert:
The redemption, withdrawal from the deposit, or early cancellation of all or part of the principal invested are subject to fees or penalties.

Open Current Account

100% online with no fees or conditions 1

6-Month Open Deposit:**3.07% APR** and 3.05% annual NIR if you bring your salary or monthly income to Openbank
Fee-free Current Account
No fees1
No maintenance, administration or closing fees.
Free standard transfers
Free standard transfers
Fee-free transfers in euros within Spain and the EU.
Free debit card
Free debit card
Free when you open your current account as the main holder.
Mobile payments
Mobile payments
Add your Openbank cards to your mobile or smart watch.
Bye-bye fees!
Say goodbye to all fees for:
  • Account maintenance, administration and closure.
  • Domestic and international standard transfers within the EU in euros.
  • Debit card cash withdrawals at more than 7,500 Banco Santander and Euro Automatic ATMs in Spain with your Open Debit Card, which is free for the main holder.
Hello benefits!
Get ready for all these benefits with your current account and debit card:Find out more
The security you deserve
Manage your money with peace of mind.Find out more

0% APR and annual NIR.
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.

2 You will need to activate the NFC feature to use this service on an Android device.

Please note that in order to take advantage of certain discounts, you must pay with an Openbank card.



Grupo Santander

The safe option for your savings

With the backing and solvency of the Santander Group

Become a customer in less than 10 minutes

Fill in your details
Fill in your details
Fill in your personal details and choose your passcode.
Identify yourself through a video call
Identify yourself through a video call
Or do so using your account number from another bank.
Sign electronically
Sign electronically
Use an SMS code to sign the contract electronically, online.

Learn more about your Openbank account

Check out the main features of your account, the essential information and documents, and the applicable cooling-off period.

Cuenta nómina
Want to learn more about the Open Current Account?
Do I have to meet any special criteria or requirements to open the current account?
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Does it include the Open Debit Card?
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