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
![icon-0-euro](/assets/2023-08/01_12.png)
No fees2
No fees for maintaining, managing or closing the account.![icon-0-euro](/assets/2023-08/02_13.png)
Free standard transfers
Fee-free transfers in euros within Spain and the EU.![icon-0-euro](/assets/2023-08/03_12.png)
Free debit card3
Free when you open your current account as the main holder.![icon-0-euro](/assets/2023-08/04_12.png)
Mobile payments
Add your Openbank cards to your mobile or smart watch.Open Payroll Account
![icon-0-euro](/assets/2023-08/01_13.png)
Get 0.5% cashback on your bills
Electricity, gas, telephone, mobile phone and internet.![icon-0-euro](/assets/2023-08/02_14.png)
Free debit and credit cards2
No card issuance or renewal fees.![icon-0-euro](/assets/2023-08/03_14.png)
Fee-free transfers
Free transfers in euros within Spain and the EU.![icon-0-euro](/assets/2023-08/04_13.png)
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.