Fixed 6-Month Open Deposit at 2.50%1 APR and 2.48% annual NIR
With your salary or monthly income2 (€900 min.).
Earn interest from the 1st day and euro4
- Earn interest at 2.50% APR1 and 2.48% annual NIR when you pay in your monthly salary, pension, unemployment benefit or recurring income of at least €9002 .
- Earn interest at 1.25% APR1 and annual NIR without paying in your monthly income.
For balance increases
- The money you place in your deposit must increase the balance of your overall holdings with Openbank compared with your balance as of 30 June 2026.
- You can transfer it from another bank or deposit cash, etc.
Your money is always available
- Close the fixed-term deposit whenever you want1.
- If you close it before the end of the 6-month term, you'll get all the money deposited and interest at 0.20% APR1 and annual NIR for the period it was held in the deposit.
See the Pre-contractual Information for the 6-Month Open Deposit.
With the backing and solvency of the Santander Group
Worth checking out
A bank deposit is simple to understand — it’s essentially a loan in reverse.
What happens to your money if a bank fails? The Deposit Guarantee Fund protects your savings up to a set limit.
When choosing a fixed-term deposit, it helps to consider a few key factors. Here’s what to look at.
Want to learn more about the 6-Month Open Deposit?
What is the 6-Month Open Deposit?
How much interest do you receive?
Are there any costs?
How can you open the 6-Month Open Deposit?
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 interest do you receive?
You will earn 2.50% APR1 and 2.48% annual NIR over 6 months if you set up a direct deposit for your monthly salary, pension, unemployment benefit or other type of income of at least €9002 a month (which cannot come from another Openbank account). If not, you'll earn interest at 1.25% APR1 and annual NIR.
Plus, you can close the deposit before the end of the fixed term without incurring any fees. We'll return all your savings plus an extra 0.20% APR1 and annual NIR for however long you held your balance.
Are there any costs?
The 6-Month Open Deposit has no early withdrawal fee2. You can close it before the end of the fixed term and withdraw your savings along with the interest earned. Bear in mind that the interest will be lower if you fail to meet the conditions.
How can you open the 6-Month Open Deposit?
You must have an Open Current Account linked to your deposit.
If you're not yet an Openbank customer, you'll first need to open an Open Current Account, which comes with a free Open Debit Card for the main account holder. That way, you'll have an account, a card and a deposit to help you save and manage your money.
Open your deposit online or, if you would prefer to speak to someone, call us on 91 177 33 37 or 900 36 53 66 if you're not a customer yet.
Check out the other products and services available on our website.
1 REPRESENTATIVE EXAMPLE of the fixed 6-Month Open Deposit, with interest paid at maturity and a deposit balance of €25,000: (i) if all conditions are met, 2.50% APR and 2.48% annual NIR will be applied, and the gross interest would be €310.56; (ii) if all conditions are not met, 1.25% APR and annual NIR will be applied, and the gross interest would be €155.75 (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 transferred from outside Openbank that increases your total balance with Openbank compared with your balance as of 30 June 2026.
3 For cash deposits, the maximum guaranteed amount by Spain's Deposit Guarantee Fund for Credit Institutions is €100,000 per depositor in each credit institution.
4 The interest will be paid into the Openbank current account or payroll account in the name of the holder at maturity (at the end of the fixed term).