This indicator corresponds to the Open Current Account and Open Payroll Account.
This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest.
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.

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

Free (1) with no fees or conditions

No fees1

No fees for maintaining, managing or closing the account.

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

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: