El Hormiguero Openbank Credit Card
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El Hormiguero Openbank Credit Card

El Hormiguero Openbank Credit Card

Take TV's two most famous ants home!

Apply now

The stars of the show are coming home with you!

Get a stuffed toy of TV's most famous ants with your El Hormiguero Openbank Credit Card.

Apply for free

No issue fees, plus you can renew it for just €5/year (0% NIR, 0% APR1).

Travel benefits

by flexible subscription

 

Turn on your subscription for €7.99/month and turn it off whenever you want: 5 fee-free cash withdrawals/month at any ATM worldwide and fee-free purchases in any currency1.

No need to switch banks

All you need to do is link the card to a current account of your choice at your existing bank.

Your card's got company!

 

Get a free stuffed toy of TV's most famous ants.

No need to switch banks

  • Link your El Hormiguero Openbank Credit Card to the current account of your choice and your usual bank.
  • Apply online whenever2 and wherever you want. No issue fees and it only costs €5/year to renew (0% annual NIR, 0% APR3).
  • Plus, get all the advantages at Openbank: Open Discounts, pay with your mobile or smart watch4, Financial Aggregator, Expense Categorisation…

Turn on your travel benefits

  • Turn them on for just €7.99/month and turn them off whenever you want so you won't be charged the subscription fee the following month. Enjoy travel benefits including:

    - No fees for overseas purchases or for purchases in non-euro currencies1.
    - 5 fee-free cash withdrawals a month at an ATM… worldwide!
    Travel with peace of mind thanks to travel assistance and accidance insurance5.

Fun today, fun tomorrow

  • Pocket savings. Get discounts on top brands.
  • Buy now, buy later with no interests (0% APR6). Settle your purchases worth at least €30 one month later with zero interest on the website or app. Or, if you prefer, you can split the payment over 2 to 36 months (14.00% annual NIR, 14.93% APR)7.
  • Maximum security. Customise the security of your card with our Card Control service and keep your passwords and information safe with our Password Manager.

1 Visa may apply a margin to the European Central Bank reference rate.

2 Bear in mind that card approval is subject to a risk analysis.

3 0% annual NIR; 0% APR. Representative example of €1,500 drawn with lump sum payment at the end of the month: 0% NIR; 0% APR; Total amount borrowed: €1,500. Total amount owed: €1,500. Total cost of credit: €0. Card issue fee: €0.

APR may vary depending on your selected payment method: financed payment in fixed or variable instalments (revolving option) or financed purchases of at least €30 over 2 to 36 months. See the pre-contractual information document below for terms and conditions for other repayment methods. Please note that your card’s APR will vary in the second year due to the €5 annual renewal fee.

4 You must activate the NFC feature to use this service on an Android device.

5 Insurance arranged with Zurich Insurance PLC, Sucursal en España.

6 Representative example for a purchase of €200 settled one month later: annual NIR: 0%; APR: 0%. Monthly repayment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interests: €0. French amortisation schedule.

7 Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortization schedule. Therefore, for this specific example, the cash price would be €200 and the total amount to be repaid in instalments would be €204.68.

This is what you’ll need during the application process. Have the following to hand:

  ID document 

  Device with camera and microphone

  Proof of income

Want to learn more about the El Hormiguero Openbank Credit Card?
What is the El Hormiguero Openbank Credit Card?

It is a credit card that is completely free to take out and only costs €5 to renew each year.

You can finance your purchases and benefit from contactless payment simply by holding your card close to the terminal.

Plus, you can take advantage of exclusive travel benefits via a flexible subscription. You can turn them on to benefit from improved terms and conditions for ATM cash withdrawals, purchases in other currencies, and even special travel insurance. And when you no longer want them, all you need to do is turn them off.

And best of all... you don't have to switch banks. All you need to do is link the account you hold at your current bank to the El Hormiguero Openbank Credit Card.

All this, with maximum security. Get peace of mind with our 3D Secure Code system and free payment confirmation alerts by SMS.

How much does the El Hormiguero Openbank Credit Card cost?

It is completely free to take out (0% annual NIR, 0% APR1) and only costs €5 each year to renew. The 3D Secure Code system and free SMS payment alerts are also free. You can turn on your travel benefits for €7.99/month and turn them off whenever your want.

How do you turn the subscription travel benefits on and off?

You can benefit from exclusive travel benefits at any time. Turn them on from the Openbank website or app for just €7.99 a month, and when you no longer need them, just turn them off and the subscription will not be renewed the following month.

What are the advantages of turning the travel benefits on?

On top of its advantages as a credit card with no need to switch banks, when you turn on the travel benefits, you get better terms and conditions for using it on your trips. For just €7.99/month, you can benefit from:

  • Cash withdrawals worldwide: 5 free cash withdrawals from any ATM around the world.
  • Purchases in non-euro currencies: Free.
  • Accident insurance (see policy): Included.
  • Travel insurance (see policy): Included.

You can turn the travel benefits off whenever you want, but bear in mind that the following will be applied:

  • 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.
  • Purchases in non-euro currencies: 3% of the amount (minimum: €2).
  • Accident insurance: Not included.
  • Travel insurance: Not included.
Can you finance card payments?

Of course! The lump-sum payment method is set by default, but you are free to choose a different repayment option to accommodate your needs.

Payment in instalments:

Settle the payment in fixed or variable instalments. The minimum amount you can finance is 5% of your card’s credit limit, with a minimum instalment of €15.

The applicable interest rate for paying in instalments is 18.00% annual NIR (19.56% APR).

Example: For €1,500 drawn on 1st of the month, with financed payment option (revolving), and 48 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 18.00% NIR; 19.56% APR; 47 instalments of €44.06 and a final instalment of €44.25. Total amount borrowed: €1,500. Total amount owed: €2,115.07. Total cost of credit: €615.07. The calculation includes the card issue fee: €0. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortisation schedule. Therefore, for this specific example, the cash price would be €1,500 and the total amount to be repaid in instalments would be €2,115.07.

Openbank recommends responsible use of this service.

Finance your purchase:

You can settle your purchases and payments of at least €30 one month later with zero interest (APR: 0%)A or split them over 2 to 36 months (annual NIR: 14.00%; APR: 14.93 %)B.

A Representative example for a purchase of €200 settled one month later: annual NIR: 0%; APR: 0%. Monthly repayment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interests: €0. French amortisation schedule.

B Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortization schedule. Therefore, for this specific example, the cash price would be €200 and the total amount to be repaid in instalments would be €204.68. Openbank recommends responsible use of this service.

If you have an Openbank account, you can also finance payments you make with this account.

Where can you check the fees and interest rates for this card?

The fees and interest rates for the latest calendar quarter can be found on the “Bulletin Board” tab on the Openbank Legal Information page by clicking here. You can find further information in Annex 2 in the “Information on fees and interest rates charged or offered”. For further information, call us on (+34) 91 177 33 10 and we'll be glad to help.

Does the El Hormiguero Openbank Credit Card include any insurance?

If you turn on the exclusive travel benefits, you get take advantage of travel assistance insurance that covers claims, among others, for delayed flights or damage to your luggage, as well as international medical assistance. You will also be entitled to accident insurance for public transport that covers death and permanent disability (partial or total) for up to €100,000, provided by Zurich Insurance PLC, Sucursal en España, as long as the transport ticket was purchased by the El Hormiguero Openbank Credit Card.

Further information can be found in the full insurance policy here or, if you prefer, you can consult the simplified version here.

What are Open Discounts?

They are exclusive discounts you get on top brands including Iberia, Cortefiel, Women’secret, AVIS, Booking.com and plenty more when you pay with your El Hormiguero Openbank Credit Card. Click here to check out all the current discounts.

What else does the El Hormiguero Openbank Credit Card offer?

The El Hormiguero Openbank Credit Card offers the following:

  • Card control: a free service that allows you to temporarily restrict use of the card depending on the location or type of transaction. For example, you can disable its use in a certain country, enable its use for only in-store purchases or at ATMs.
  • Password Manager: a secure and completely free space where you can save all your passwords, data or other information. It's available on the Openbank website and app, so you can access your secret information whenever and wherever you want.
  • Financial aggregator: connect your finances in one single place, where you can keep track of them and sort them into categories. All your accounts will be connected in a secure environment and your balances and transaction history constantly updated.
Need more information?

We make it simple. Call us on (+34) 91 276 21 99 and our team of professionals will be glad to help.

What is the El Hormiguero Openbank Credit Card?

It is a credit card that is completely free to take out and only costs €5 to renew each year.

You can finance your purchases and benefit from contactless payment simply by holding your card close to the terminal.

Plus, you can take advantage of exclusive travel benefits via a flexible subscription. You can turn them on to benefit from improved terms and conditions for ATM cash withdrawals, purchases in other currencies, and even special travel insurance. And when you no longer want them, all you need to do is turn them off.

And best of all... you don't have to switch banks. All you need to do is link the account you hold at your current bank to the El Hormiguero Openbank Credit Card.

All this, with maximum security. Get peace of mind with our 3D Secure Code system and free payment confirmation alerts by SMS.

How much does the El Hormiguero Openbank Credit Card cost?

It is completely free to take out (0% annual NIR, 0% APR1) and only costs €5 each year to renew. The 3D Secure Code system and free SMS payment alerts are also free. You can turn on your travel benefits for €7.99/month and turn them off whenever your want.

How do you turn the subscription travel benefits on and off?

You can benefit from exclusive travel benefits at any time. Turn them on from the Openbank website or app for just €7.99 a month, and when you no longer need them, just turn them off and the subscription will not be renewed the following month.

What are the advantages of turning the travel benefits on?

On top of its advantages as a credit card with no need to switch banks, when you turn on the travel benefits, you get better terms and conditions for using it on your trips. For just €7.99/month, you can benefit from:

  • Cash withdrawals worldwide: 5 free cash withdrawals from any ATM around the world.
  • Purchases in non-euro currencies: Free.
  • Accident insurance (see policy): Included.
  • Travel insurance (see policy): Included.

You can turn the travel benefits off whenever you want, but bear in mind that the following will be applied:

  • 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.
  • Purchases in non-euro currencies: 3% of the amount (minimum: €2).
  • Accident insurance: Not included.
  • Travel insurance: Not included.
Can you finance card payments?

Of course! The lump-sum payment method is set by default, but you are free to choose a different repayment option to accommodate your needs.

Payment in instalments:

Settle the payment in fixed or variable instalments. The minimum amount you can finance is 5% of your card’s credit limit, with a minimum instalment of €15.

The applicable interest rate for paying in instalments is 18.00% annual NIR (19.56% APR).

Example: For €1,500 drawn on 1st of the month, with financed payment option (revolving), and 48 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 18.00% NIR; 19.56% APR; 47 instalments of €44.06 and a final instalment of €44.25. Total amount borrowed: €1,500. Total amount owed: €2,115.07. Total cost of credit: €615.07. The calculation includes the card issue fee: €0. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortisation schedule. Therefore, for this specific example, the cash price would be €1,500 and the total amount to be repaid in instalments would be €2,115.07.

Openbank recommends responsible use of this service.

Finance your purchase:

You can settle your purchases and payments of at least €30 one month later with zero interest (APR: 0%)A or split them over 2 to 36 months (annual NIR: 14.00%; APR: 14.93 %)B.

A Representative example for a purchase of €200 settled one month later: annual NIR: 0%; APR: 0%. Monthly repayment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interests: €0. French amortisation schedule.

B Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortization schedule. Therefore, for this specific example, the cash price would be €200 and the total amount to be repaid in instalments would be €204.68. Openbank recommends responsible use of this service.

If you have an Openbank account, you can also finance payments you make with this account.

Where can you check the fees and interest rates for this card?

The fees and interest rates for the latest calendar quarter can be found on the “Bulletin Board” tab on the Openbank Legal Information page by clicking here. You can find further information in Annex 2 in the “Information on fees and interest rates charged or offered”. For further information, call us on (+34) 91 177 33 10 and we'll be glad to help.

Does the El Hormiguero Openbank Credit Card include any insurance?

If you turn on the exclusive travel benefits, you get take advantage of travel assistance insurance that covers claims, among others, for delayed flights or damage to your luggage, as well as international medical assistance. You will also be entitled to accident insurance for public transport that covers death and permanent disability (partial or total) for up to €100,000, provided by Zurich Insurance PLC, Sucursal en España, as long as the transport ticket was purchased by the El Hormiguero Openbank Credit Card.

Further information can be found in the full insurance policy here or, if you prefer, you can consult the simplified version here.

What are Open Discounts?

They are exclusive discounts you get on top brands including Iberia, Cortefiel, Women’secret, AVIS, Booking.com and plenty more when you pay with your El Hormiguero Openbank Credit Card. Click here to check out all the current discounts.

What else does the El Hormiguero Openbank Credit Card offer?

The El Hormiguero Openbank Credit Card offers the following:

  • Card control: a free service that allows you to temporarily restrict use of the card depending on the location or type of transaction. For example, you can disable its use in a certain country, enable its use for only in-store purchases or at ATMs.
  • Password Manager: a secure and completely free space where you can save all your passwords, data or other information. It's available on the Openbank website and app, so you can access your secret information whenever and wherever you want.
  • Financial aggregator: connect your finances in one single place, where you can keep track of them and sort them into categories. All your accounts will be connected in a secure environment and your balances and transaction history constantly updated.
Need more information?

We make it simple. Call us on (+34) 91 276 21 99 and our team of professionals will be glad to help.