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

Finance what you need today and pay it back in up to 5 years.
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Loan with no paperwork

Provide the details of your accounts at other banks and we will analyse your case.
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No switching banks

Link the loan to your account at your current bank.
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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.
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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

Protect your account from unforeseen charges and only pay if you use it.
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Peace of mind

Additional money to cover the unexpected.
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No fees or charges

No arrangement or application fees.
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Pay only when you use it

You only pay interest on the money you need and for the days you have used it.
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Instant¹ and paperless

If your salary is paid in directly or you have savings, funds or investments at Openbank.
Another way to finance

Not a good time to make that payment?

Finance it with your Openbank credit cards.

Find out more

Which card suits you more?

Open Credit Card

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Get your free Open Credit Card
No fees

No fees

More flexibility

More flexibility

Pay at your own pace

Pay at your own pace

Total security

Total security

Premium Debit and Credit Card Pack

Premium Pack
Make your payments premium
Free ATM cash withdrawals

Free ATM cash withdrawals

Pay at your own pace

Pay at your own pace

Greater security on trips

Greater security on trips

More secure purchases

More secure purchases

Diamond Debit and Credit Card Pack

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Add a sparkle to your payments
 Todos los cajeros del Banco Santander del mundo gratis

Fee-free cash withdrawals at ATMs worldwide

24/7 concierge service

24/7 concierge service

Greater security for you

Greater security for you

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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.