Open Debit Card
Pay, withdraw cash and manage your spending in the app wherever you are in the world.
A debit card that keeps things simple
Your card costs €0 for the main cardholder, whether or not you pay in your salary and set up direct debits.
Withdraw cash fee-free at all Banco Santander and Euro Automatic Cash ATMs in Spain.
Use your physical card or pay directly with your mobile, smartwatch or smart wristband.
Accident insurance is included, covering both travel and public transport.
One card, wherever you go: Travel+ ON
Switch on Travel+ for €4.99 a month and enjoy your card’s travel benefits:
✔ €0 for paying in any currency1 any day of the week, including at weekends.
✔ €0 for 2 cash withdrawals a month anywhere in the world.
Plus, if you pay your salary or a regular monthly income into your Openbank account, we’ll refund your Travel+ monthly fee, making it €02.
With an app that keeps you in control
✔ Switch your card on and off
Switch it off if you lose it, switch it back on if you find it, or permanently block it and request a new one if you don’t.
✔ More control, more security
You decide how and where your card can be used with Card Control. You can also change your cash withdrawal and spending limits.
✔ Confirm your online purchases
When you pay online, you have the final say, confirming that it’s really you making the purchase.
✔ Get purchase notifications
We’ll let you know every time your card is used, so nothing gets past you.
Real people on hand to help
Get help whenever you need it via the app chat or over the phone. We’re always here waiting to help you.
This card is for you if you’re looking for:
✔ A fee-free card for your everyday banking3
✔ Save on fees abroad without having to change cards
✔ Pay your way with your mobile or smartwatch
✔ Stay in control of everything on the app
✔ Peace of mind and security
(i) See Pre-Contractual Information for the Open Debit Card.
1 No fees charged by Openbank. Mastercard may apply a mark-up to the European Central Bank exchange rate.
2 When you pay in your salary, pension, unemployment benefit or monthly income of at least €900, the fee of €4.99 charged for turning on Travel+ will be refunded to the account linked to your card within approximately 30 days.
3 Applies to the first cardholder.
Worth checking out
Are there differences between credit and debit cards? Get all the info here.
Once you receive your bank card at home, there's only one step left to complete before you use it: activate it.
It's possible to withdraw cash without the card, and even when you don't have it with you.
See here Pre-Contractual Information for the Open Debit Card.
How much does an Open Debit Card cost?
- It costs €03.
- For the main cardholder, the debit card has no issuance, maintenance or renewal fees.
- You can also make fee-free cash withdrawals at over 5,000 Banco Santander and Euro Automatic Cash ATMs in Spain. You can also deposit cash at Banco Santander ATMs.
- Additional cards for other cardholders cost €18 per card to issue and €18 per card for each annual renewal.
What other benefits does the Open Debit Card have?
Fast payments thanks to Contactless technology. Just place your card near the terminal for payments under €50. You will need to use your card PIN for higher amounts.
Peace of mind thanks to our secure e-commerce systems and free payment confirmation alerts via SMS.
Compatible with most iOS and Android digital wallets, mobile devices and smartwatches.
What are the fees?
- Withdraw cash at over 5,000 Banco Santander ATMs in Spain: free.
- Pay in cash at over 5,000 Banco Santander ATMs: free
- When you withdraw cash from ATMs of other banks in Spain or elsewhere in the EU, you’ll only pay the fee charged by the ATM operator.
- Withdraw cash at other ATMs outside the EU: 4.5% of the cash withdrawn (minimum: €3).
- Make domestic transfers in euros, check balance and statements and top up your mobile phone at Banco Santander ATMs in Spain: free.
- Check balance and perform other transactions at other ATMs: €0.50 (single fixed amount).
- Make purchases in foreign currencies: 3% of the amount.
- Monthly fee for alert service (text alerts for card payments): free.
Does it include any insurance?
Yes, free accident insurance with Santander Seguros y Reaseguros S.A. If you have an accident and you are a cardholder, the maximum compensation you could receive is €6,010.
If you used the card to pay for a ticket on public transport, the card not only covers you - as the cardholder - but also any other travellers whose tickets have also been paid for using the card (maximum compensation: €120,202).
For further details on the cover, see the corresponding policy.
How can you apply for an Open Debit Card online?
If you're not already a customer:
- Open your fee-free Open Current Account and get your Open Debit Card for €03.
If you're already a customer:
- Enter the Customer Area on our website or through our app on your mobile phone or tablet.
- You can also apply by calling us 24/7 on 91 177 33 10.
How do you switch the Open Debit Card’s Travel+ benefits on and off?
Switch them on instantly at openbank.es or on the Openbank app for just €4.99 a month.
Go to: Cards > Open Debit Card > Side right Travel+
When you no longer need them, simply switch them off and your subscription won’t renew.
Please note that you’ll continue to enjoy your month of benefits even if you switch off Travel+ before the renewal date.
If you don’t switch it off, your subscription will renew for €4.99 and you’ll enjoy another month of all the Travel+ benefits.
What is Travel+ and what are the advantages of switching it on?
Travel+ is an optional travel benefits service that you can switch on for €4.99 a month.
Switch on the travel benefits for €4.99 a month to enjoy all the benefits abroad:
- Pay in any currency fee-free1 at any time, 365 days a year.
- Cash withdrawals inside and outside the EU: enjoy up to two fee-free withdrawals a month at any ATM worldwide
Switch off the travel benefits whenever you like. You’ll still be able to use them for a full month from the date you switched them on.
After that, the following conditions will apply:
- Card purchases in foreign currencies: 3% of the transaction amount.
- Cash withdrawals in Spain and within the EU: 3.90% of the amount withdrawn (minimum: €3.90) and the applicable fee indicated by the ATM.
- Cash withdrawals outside the EU: 4.5% of the amount withdrawn (minimum: €3) and the applicable fee indicated by the ATM.
Can I add the card to Apple Wallet or Google Wallet?
Yes, on both iOS and Android devices.
- On your iPhone: go to Apple Wallet > tap the “+” symbol > select debit or credit card > add your card > check the details
- On your Android: go to Google Wallet > tap “Add to Wallet” > payment card > add your card > check the details
How do you pay with your Apple Watch, Samsung Galaxy Watch or Wear OS smartwatch
Add your cards to your smartwatch in just a few steps:
- On your Apple Watch: open the Watchapp on your iPhone > go to Wallet & Apple Pay > select Add Card > choose a card already saved in Wallet or add a new one > check the details.
- On your Samsung Galaxy Watch: open Samsung Wallet on your watch or in the mobile app > go to Add Card > select an existing card or add a new one > check the details.
- On your Android smartwatch (Wear OS): Open Google Wallet on your watch > go to Add Card > follow the on-screen instructions on your watch or mobile > check the details.
What is Card Control and what is it for?
Card Control is a feature available with Openbank cards that lets you decide how your card can be used.
You can choose which countries it can be used in and restrict certain types of transactions, giving you greater control and security. You can also use Card Control to change your card purchase and cash withdrawal limits.