Loans and Credit
Make sure unexpected expenses never catch you off guard
Unexpected charges, buying a car, furnishing your home or whatever else you need.
Personal Loan
Loan with no paperwork
Provide the details of your accounts at other banks and we will analyse your case.
No switching banks
Link the loan to your account at your current bank.
What a rate!
You can apply for your loan online from €3,000 to €24,000 with an interest rate from 4.95% NIR (5.06% APR)1.
Find out more with no strings attached
A personal advisor will provide all the information you need when you call (+34) 91 276 21 36 or (+34) 900 36 53 66.Overdraft
Peace of mind
Additional money to cover the unexpected.
No fees or charges
No arrangement or application fees.
Pay only when you use it
You only pay interest on the money you need and for the days you have used it.
Instant¹ and paperless
If your salary is paid in directly or you have savings, funds or investments at Openbank.
Which card suits you more?
Open Credit Card
No fees
Flexible subscription travel benefits
Pay at your own pace
Benefits ON, fees OFF
Premium Debit and Credit Card Pack
Free ATM cash withdrawals
Pay at your own pace
Greater security on trips
More secure purchases
Diamond Debit and Credit Card Pack
Fee-free cash withdrawals at ATMs worldwide
24/7 concierge service
Greater security for you
Your payments at your pace
1 Annual NIR of 4.95% (5.06%). Representative example for your loan of €3,000 over 12 months with 11 monthly repayments of €256.75 and a final instalment of €256.79. No application fee. Total amount to pay (principal + interest) of €3,081.04. Total cost of loan (interests) €81.04. French amortisation schedule. The applicable interest rate may increase to 6.95% NIR (7.18% APR), depending on the risk approval by Openbank. Representative example for your loan of €3,000 over 60 months with 11 monthly repayments of €259.15 and a final instalment of €259.53. Total amount to pay (principal + interest) of €3,114.13. Total cost of loan (interests) of €114.14. French amortisation schedule.
2 The annual nominal interest rate (NIR) is 7.72% (8.00% APR). We will charge it to your current account at the same time as your monthly account settlement. For example, if you use €500 over 10 days to pay for your car insurance, you will only pay €1.06 in interests when your account is settled; therefore, the total amount of credit would be €501.06.”
3 The line of credit is subject to analysis and approval by Openbank, provided that the following requirements are met.
You must be the holder of an Open Current Account or an Open Payroll Account and meet at least one of the following two requirements:
- Salary is paid directly into an Openbank account; and/or
- Have positions in deposits, funds or securities at Openbank.