6-Month Deposit at 3.25% APR1
✔ No fees and no maximum deposit amount
✔ With your salary or monthly income
✔ Your money is always available
Your savings keep growing. You decide how far they go.
3.25% APR1 and 3.22% annual NIR
With your salary or monthly income2 of at least €900.
2.75% APR1 and 2.73% annual NIR
No need to set up any direct deposits.
The deposit for savvy savers
For all the money you move to Openbank
The money must increase the balance you held with Openbank on 30 September 2026.
You can deposit from as little as €1.
Fixed means fixed. See what you could earn.
Open it today. Add your salary later.
Get even more with your salary
Move your salary to Openbank and enjoy these benefits all year round.
Travel fee-free
€0 for Travel+
Travel benefits you can switch on whenever you want with your Open Debit Card3.
✔ €0 for payments in any currency4
✔ €0 for cash withdrawals twice a month at any ATM worldwide
Save 2% on your online shopping
✔ Save 2% on Amazon.es Gift Cards
Buy yours on the app or website.
✔ Get 1% cashback when you pay online with Bizum, up to €30 a year
Available at over 90,000 participating online stores in Spain.
See the pre-contractual information for the 6-Month Open Deposit
Worth checking out
Find out what a bank deposit is, how it works and what to consider before opening one.
Find out what the Deposit Guarantee Fund (FGD) is and how it protects your deposits up to the established limit.
Find out what to consider when choosing and opening a fixed-term deposit.
Want to learn more about the 6-Month Open Deposit?
What is the 6-Month Open Deposit?
How much can I earn with the deposit?
Does it cost anything?
Do I need to pay in my salary or monthly income to earn higher interest?
Can I open it if I’m already an Openbank customer?
What if I’m not a customer yet?
What is the minimum deposit amount?
When will I receive the interest?
What if I need my money before the end of the term?
Is my money protected?
What is the 6-Month Open Deposit?
It is a fixed-term deposit that you can open from €1, with funds you bring over to Openbank. Your balance earns interest that will be paid at the end of the 6-month term. Plus, you will earn higher interest1 if your salary, pension, unemployment benefit or any other type of income -of at least €9002- is paid into Openbank for at least 4 months of the fixed term.
How much can I earn with the deposit?
It depends on how much you deposit and the interest rate that applies to you.
- You’ll earn 3.25% APR1 and a 3.22% annual NIR if you pay in your salary, pension, unemployment benefit or other monthly income of at least €9002 from outside Openbank.
- If you don’t pay in your salary or monthly income, you’ll earn 2.75% APR1 and a 2.73% annual NIR.
You can also close your deposit early1 with no fees. We’ll return the full amount you deposited and, in this case, you’ll earn 0.20% APR1 and a 0.20% annual NIR for the time your money was in the deposit.
Does it cost anything?
The 6-Month Open Deposit has no fees, including for early closure. You can close it whenever you like and withdraw your money plus any interest earned up to that point. If you close it early, you’ll earn 0.20% APR1 and a 0.20% annual NIR for the time your money was in the deposit.
Do I need to pay in my salary or monthly income to earn higher interest?
No, it’s not required, but you’ll earn more interest if you do.
- You’ll earn 3.25% APR1 and a 3.22% annual NIR if you pay in your salary, pension, unemployment benefit or other monthly income of at least €9002 from outside Openbank.
- If you don’t pay in your salary or monthly income, you’ll earn 2.75% APR1 and a 2.73% annual NIR.
Can I open it if I’m already an Openbank customer?
Yes. All you need to do is open it from the Deposits section on the Openbank website or app.
Bear in mind that the money you use to open the deposit must increase the total balance you held at Openbank on 30 September 2026.
What if I’m not a customer yet?
You can still open the deposit!
First, become a customer here. You’ll open a fee-free current account5, where the interest you earn will be paid when the deposit reaches the end of its term.
Once your account is active, you can open the deposit on the website or app and start earning interest on your money from as little as €1.
What is the minimum deposit amount?
You can open it from just €1, with no maximum deposit amount.
When will I receive the interest?
It will be paid into your linked current account at the end of the 6-month term.
What if I need my money before the end of the term?
If you need your money sooner, you can close the deposit early at no cost. You’ll get back the full amount you originally deposited and earn 0.20% APR1 and a 0.20% annual NIR for the time your money was in the deposit. The interest will be paid into the current account or payroll account linked to the deposit when you withdraw your money.
Is my money protected?
Yes. Your money is protected by the Spanish Deposit Guarantee Scheme, which covers up to €100,000 per depositor, per bank.
1 REPRESENTATIVE EXAMPLE of interest for the 6-Month Open Deposit, with interest paid at maturity and a deposit balance of €25,000: (i) if all conditions are met, 3.25% APR and 3.22% annual NIR will be applied, and the gross interest would be €402.50; (ii) if all conditions are not met, 2.75% APR and 2.73% annual NIR will be applied, and the gross interest would be €341.25 (iii) in both cases, if you fail to comply with the 6-month term and only hold the balance for 3 months, for example, 0.20% APR and annual NIR will be applied, and the gross interest would be €12.50.
2 Pay your salary, pension, unemployment benefit or monthly income of at least €900 into an Open Current Account or Open Payroll Account held in your name for at least 4 months. The account must also be linked to the deposit. Please note that the interest rate only applies to money that increases your total balance with Openbank compared with your balance as of 30 September 2026.
3We’ll refund the €4.99 you pay to activate Travel+ to the account linked to your card within approximately 30 days.
4We won’t charge you any fees. Mastercard may apply a mark-up to the European Central Bank exchange rate.
5 Open Current Account with no administration, maintenance or closure fees. See the pre-contractual information and the Fee Information Document for the Open Current Account.
0% APR and 0% annual NIR. REPRESENTATIVE EXAMPLE of interest: based on a constant balance of €10,000 during the first year at a 0% annual NIR (0% APR), you would earn gross annual interest of €0.