Loans and credit, solutions to finance your needs

Loans and Credits

Financing solutions to ensure your needs are met

Financing solutions to ensure your needs are met

Find out more

Make sure unexpected expenses never catch you off guard
Unexpected charges, buying a car, furnishing your home, or whatever else you need.

Personal Loan

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Borrow as much as you need and pay it back in up to 5 years.

From 6.95% annual NIR and 7.18% APR (1)
From €300 up to €24,000
Pay it back in 12 months up to 5 years
Arranged by our team of specialists with no strings attached

Overdraft Protection

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The peace of mind of having money for the unexpected. And only pay if you use it.

Money available in your account to cover the unexpected
Annual NIR is 7.72% (8.00% APR(2)), only on what you use
Instant if you have savings or salary paid into Openbank(3)
No fees or charges

Another way to finance

Buy now and pay later in just two click with your Openbank Visa Cards

Open Credit Card

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Buy now and decide when to pay

No fees
Flexible repayment options
Finance payments and purchases in 2 clicks over 2 to 36 months
Secure online and in-store purchases worldwide

Premium Card Pack (Credit and Debit)

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Card pack full of benefits

Free debit card cash withdrawals from Banco Santander ATMs in Spain
A limit of up to €12,000 and flexible repayment options
Greater insurance cover
More secure purchases

Diamond Card Pack (Credit and Debit)

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Two cards with exclusive benefits

Free debit card cash withdrawals from Banco Santander ATMs worldwide
Personal assistance: 24/7 concierge by Multiasistencia SAU
Greater insurance cover
Up to €60,000 limit and flexible repayment options