Accounts for day-to-day banking
Fee-free accounts with plenty of benefits
100% online, 100% fee-free
Free account with or without your salary
Open Current Account
No fees1
No maintenance, administration or closing fees.
Free standard transfers
Fee-free transfers in euros within Spain and the EU.
Free debit card
Free when you open your current account as the main holder.
Mobile payments
Add your Openbank cards to your mobile or smart watch.Open Payroll Account
Get 0.5% cashback on your bills
Electricity, gas, telephone, mobile phone and internet.
Free debit and credit cards2
No card issuance or renewal fees.
Fee-free transfers
Free transfers in euros within Spain and the EU.
Open Discounts
Get discounts on top brands4.Compare our current accounts
Both the Open Current Account and the Open Payroll Account are fee-free online accounts (0% APR1 and 0% annual NIR)
The account you need for your day to day, allowing you to manage your money with no fees or charges.
- Standard national and international transfers in euros within the EU.
- Pay for your bills via direct debit.
- Deposit and withdraw money at any Banco Santander and Euro Automatic Cash ATM in Spain.
- Free Open Direct Debit card for the first holder.
- Discounts on big brands.
Enjoy all the services of the Open Current Account, plus additional benefits for paying in your salary, pension, unemployment benefit or monthly deposits2:
- Get 0.5% cashback on your main bills (electricity, gas, landline, mobile and internet).
- Get a free Open Credit Card3.
- Earn higher interest on your savings in an Open Savings Account.
- You can request a salary advance with the Openbank Overdraft.
1 Representative example of interest with a constant balance of €10,000 held for the first year at 0% APR and 0% annual NIR: gross annual interest of €0.
2 You can enjoy the benefits of the Payroll Account if: (i) you arrange for your salary, pension or unemployment benefit of at least €900 to be paid directly into your account; or (ii) you receive monthly transfers of at least €900 from any other bank.
3 0% APR and 0% annual NIR. Representative example for €1,500 drawn and 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. The APR may vary depending on the repayment method selected: financed payment in fixed or variable instalments (revolving credit) or financed purchases for at least €30 over 1 to 36 months, as well as failing to meet conditions. For further Conditions on the rest of repayment methods, click the following link: https://www.openbank.es/tarjeta-credito-visa-open-credit.
