The risk indicator corresponds to all Openbank accounts and deposits. The liquidity alert applies only to deposits.
This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest risk.
Member Bank of Spain's Deposit Guarantee Fund for Credit Institutions. For cash deposits, the maximum guaranteed amount is €100,000 per depositor in each credit institution.
Liquidity Alert:
The redemption, withdrawal from the deposit, or early cancellation of all or part of the principal invested are subject to fees or penalties.


Find the best option for you, no matter where you're at in life

There's more than one path that leads to the future you have in mind. Choose yours!

The first step to finding the best strategy for your savings is understanding your type of profile.


I don't want to bear much risk.

I would like to earn returns on my savings, but with little risk.

Neither of the two options.

Although I'm not an expert, I also don't want to lose purchase power. I can bear some risk in exchange for obtaining greater returns.

I don't mind bearing risks.

I know how to invest my money and I'm familiar with the financial market. I seek maximum possible returns, and will even bear more risk.

Bear in mind that any investment carries some level of risk, including the lack of return, loss of invested capital and/or foreign exchange risk for non-euro-denominated products. The value of the investment is subject to market fluctuations and the return actually obtained may differ from that expressed in the Internal Rate of Return ("IRR") or APR due to potential changes in the assets held in the portfolio or the market performance of interest rates and issuer credit. This data is not a reliable indicator of future performance or the return actually obtained. Past performance is no guarantee of future results.

I don't want to bear much risk

Check out these options to earn returns on your money, with little to no risk.

Fixed-term deposit

Fixed-term deposit

It's a savings product that generates interest at the agreed rate if you hold your money for a fixed period of time.


Earn interest at up to 3.07% APR1 and 3.05% annual NIR on the funds you bring to Openbank with your salary or monthly income.

Low-risk fund


You can earn higher returns by diversifying your savings by investing in a low-risk investment fund.


The fund aims to offer returns by investing exclusively in a diversified portfolio of Treasury Bills with an average maturity of less than 6 months.

The internal rate of return (IRR) of this fund for the next 12 months is 3.50%2. Data is gross of fees and expenses, which corresponds to 0.42% of the total and must be deducted from the IRR. The fund's return in 2022 was -0.63% and in 2023 is 1.47%2.

Target-return fund


It's a type of investment fund with which you can maintain the value of your savings and obtain a return at maturity.


This fund invests mainly in government bonds issued or guaranteed by EU states with a non-guaranteed estimated target return of 2.3% at maturity, which corresponds to 3.00% APR over 12 months.

NON-GUARANTEED NET APRof 3.00% for fund subscriptions made on 24/10/2023 and held until 01/08/2024.

By clicking “Find out more”, you will be taken to the information sheet for Mutuadinero Fondo, where you can consult the 5-year return (or calculated from the fund's inception date, if less than 5 years old), among other details.

*Key Investor Information Document (KIID) risk scale. Risk rating 1 does not mean a risk-free investment. This indicator may change over time.

Neither of the two options

If you want to earn higher returns while taking on a moderate risk, check out these products.

Low-duration fixed income fund


You bear a low risk, without leaving your money idle. Plus, you can take advantage of the current interest rate situation.


The lion’s share of the fund’s portfolio is made up of bonds, debt securities or money market instruments, mainly demoninated in euros, as well as floating-rate bonds. The weighted average rating of the securities will be no lower than ‘investment grade’.

Investment-grade bond fund


You can add investment grade corporate bonds to your portfolio, which generally have a higher level of creditworthiness and pose less risk.


The fund invests primarily in corporate debt instruments. It generally focuses its investments in investment grade corporate bonds from developed country issues.

Medium-risk fund


By investing in this fund, you get an investment portfolio with sophisticated companies and controlled risk.


This is an actively managed mixed-asset fund with flexible exposure to both corporate equities and debt securities. The asset allocation benchmark is 25% equities and 75% fixed income. The fund follows environmental, social and good governance (ESG) criteria.

*Key Investor Information Document (KIID) risk scale. Risk rating 1 does not mean a risk-free investment. This indicator may change over time.

I don't mind bearing risks

A solid strategy if you're looking to earn the maximum potential return, even if it means bearing a higher risk.

Diversified mixed-asset fund


You can diversify your money by investing in bonds and shares and earn a potentially higher return.


The fund invests in a wide variety of asset classes, especially global equities (75%) and euro-denominated fixed income (25%). It also follows environmental, social and good governance (ESG) criteria.

Equity fund


Invest in the world's leading companies with the help of experts and increase the diversification of your portfolio.


The objective of this fund is to apply active management on the performance of the MSCI World Index, which is representative of the large and mid-cap markets of 23 developed countries.

Thematic fund


Invest today in the trends of the future through funds that invest in technology, health care or renewable energies, among other sectors.


The fund invests at least 70% in shares of international companies that at least have operations in or are linked to the field of artificial intelligence. Its investment objective is to achieve long-term capital growth.

*Key Investor Information Document (KIID) risk scale. Risk rating 1 does not mean a risk-free investment. This indicator may change over time.


Invest in funds with no need to be an expert!

We make investing simple. Use our robo-advisor automated investment service and our experts will invest in fund portfolios for you. All you need to do is answer a few simple questions to determine your investor profile and then choose the strategy that works best for you. You can get started with an investment of just €500.

I want to invest

Before investing, please consult the level of risk and information for each of the investment funds marketed by Open Bank, S.A. in the Prospectus or Key Investor Information Document (KIID) for each one of the investment funds, available at and

This section is for information purposes only and does not intend to be exhaustive, not does it imply any kind of advice or recommendation by Open Bank, S.A. To confirm the information, please refer to official information sources or consult a professional. Open Bank, S.A. is exempt from any liability that may arise from the publication of this information.

1 Representative example of interest paid at the end of the term for the 6-Month Open Deposit with a balance of €25,000: (i) if all conditions are met, 3.07% APR and 3.05% annual NIR will be applied, and the gross interest would be €381.25; (ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €600 (that do not come from another Openbank account) is not set up for at least 4 months, 2.01% APR and 2% annual NIR will be applied, and the gross interest would be €250; (iii) in both cases, if you fail to comply with the 6-month term and only hold the balance for 3 months, 0.20% APR and annual NIR will be applied, and the gross interest would be €12.50.

2  Internal rate of return (IRR) expressed as the return for the next 12 months on the bond issues in which each of the funds invests, taking the principal and coupon payments (if any) into account. Bear in mind that the value shown should no be considered the sole value of the potential return on the investment obtained by the investor. This IRR figure is gross of investment fund fees and the fund's ongoing charges must be deducted. These include fees for purchasing and holding the fixed-income issues in which the fund invests, which are implicitly deducted from the fund's daily net asset value and are expressed as an annual percentage. Source for return of Mutuadinero Fondo: Refinitiv. The 2022 return refers to the period between 01/01/2022 and 31/12/2022. The 2023 return refers to the period between 01/01/2023 and 31/08/2023. The returns shown are net of fees.

The ESTIMATED RETURN IS NOT GUARANTEED and the return actually obtained by the CIS may differ due to potential changes in the assets held in the portfolio or the market performance of interest rates and issuer credit.

The APR and IRR of the investment funds are provided and reviewed by the asset managers at least once a month.


Want to get in touch with us?

Want to get in touch with us?

We make it simple. Give us a call on 91 117 33 16 or 900 10 29 38 and our team of investment specialists will be happy to help (Mon-Fri 8 a.m. to 8 p.m.).

91 177 33 16  or  900 10 29 38 


We will call you back using the phone number and name provided. We will not store or use this information for any other purpose. For further information on the legal aspects of this process, specifically how we protect your privacy, click here.