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 fees for maintaining, managing or closing the account.
Free transfers
Fee-free standard and instant transfers in euros within Spain and the EU.
Free debit card
Free when you open your current account as the main holder.
Mobile payments2
Add your Openbank cards to your mobile or smart watch.Open Payroll Account
✔ €0 for your account and cards2
0% APR2 and 0% annual NIR, with no conditions✔ €0 for sending money
Use Bizum on the app to send domestic and international transfers in available currencies for free3✔ €0 for cash withdrawals
Over 5,000 Banco Santander and Euro Automatic Cash ATMs available across SpainCompare 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.
- Domestic 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 deposits1:
- Get a free Open Credit Card4.
- Earn higher interest on your savings in an Open Savings Account.
- You can request a salary advance with the Openbank Overdraft.
Open Current Account
1 0% APR and annual NIR.
Representative example of interest 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.
Open Payroll Account
1 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.
2 Open Payroll Account with no maintenance, administration or closure fees, and the Open Debit Debit Card with no issuance or renewal fees for the main account holder. Please read the Fee Information Document for the Open Payroll Account and the Pre-contractual Information for the Open Debit Debit Card. Approval of the credit card is subject to a credit assessment.
0% APR and annual NIR.
REPRESENTATIVE EXAMPLE with a constant balance of €10,000 held for the first year at 0% NIR (0% APR): gross annual interest of €0.
3 If the source and destination accounts are in different currencies, the exchange rate shown on our website will apply. Currency conversion may incur a fee.
4 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.