Interest-bearing Accounts
Your savings grow from the first day and euro
Welcome Savings Account
Accounts for new customers with no fees or charges
Welcome Savings Account
![icon-0-euro](/assets/2023-08/01_15.png)
Financial returns from day one
Earn interest at 2.27% APR1 and 2.25% annual NIR for the first year on any balance up to €100,000.![icon-0-euro](/assets/2023-08/02_16.png)
Save at your own pace
Deposit as much as you want, whenever you want for however long you want.![icon-0-euro](/assets/2023-08/03_16.png)
Full access to your money
Withdraw what you want, whenever you want.![icon-0-euro](/assets/2023-08/04_15.png)
No fees
It's free to open, maintain and close your account.Savings Accounts
Accounts for everyone with no fees or charges
Open Young Savings Account
![icon-radio-check](/assets/2023-08/01_18.png)
Savings that grow with them
Balance from €1 to €1,000,000 at 0.15% APR1 and annual NIR. Earn interest every month!![icon-global](/assets/2023-08/02_19.png)
Saving at their pace
Deposit as much and as often as you want until they turn 18.![icon-candado](/assets/2023-08/03_19.png)
Full access to savings
Withdraw all or some of the money, and the interest earned, at any time.![icon-descuento](/assets/2023-08/04_18.png)
No fees or charges
Open, maintain, close and send transfers with no charges or fees.Interest-bearing accounts are like piggy banks - you deposit the money you want to save. They offer you a return and/or other type of interest. The return on each savings account is indicated by the NIR (Nominal Interest Rate), which specifies the interest you will earn.
You can carry out a standard external transfer from your savings account at any time fee-free. You can also transfer between your accounts at Openbank.
1 For the Welcome Savings Account:
Interest for the first year. Monthly interest settlement.
Representative example of interest earned with a constant balance of €25,000 for the first 12 months at 2.27% APR and 2,25% annual NIR: gross annual interest of €562.50.
For the Open Young Savings Account:
Representative example with a constant balance of €6,000 held for the first year at 0.15 APR and 0.15% annual NIR: gross annual interest of €9.