Loans and Credits Openbank

Loans and Credits

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Funding solutions to suit your needs

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To cover the unexpected and for whatever you need
Unexpected expenses, buying a car, furnishing your house, or whatever you want.

Payroll Personal Loan

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

From 6,95% NIR (7,18% APR) if you arrange three direct debits in the account and have your salary paid into it.
Borrow from 300€ to 24.000€ for whatever you need
Repay over 12 months to 5 years
Arranged by our specialist team 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 when you need it
0,64% nominal per month, only on what you use
Instant if you have savings or your salary paid into Openbank
No costs or fees

​​​​​​​Another way to finance

With your Openbank Visa Cards defer your purchases in just two clicks

Open Credit Card

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Choose how to pay for your purchases and the money you withdraw from ATMs. In full at the end of the month or spread across a number of instalments.

Contracting the card or renewing it is free if you directly pay-in your salary into the account
Flexibility for payment of the drawn balance
Secure e-commerce and free SMS alerts
Free travel accident insurance

Premium Card Pack (credit and debit)

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Charges appear instantly in your account when using debit card. With Credit card, choose to pay in full at the end of the month or  spread across a number of instalments.

Free withdrawals from Banco Santander ATMs in Spain
A limit of up to 12.000€ and financing at 12% APR and an annual NIR of 11,39%
Secure e-commerce and free SMS alerts
Travel insurance and purchase and fraud protection

Diamond Card Pack (credit and debit)

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Charges appear instantly in your account when using debit card. With Credit card, chooseto pay in full at the end of the month or  spread across a number of instalments.

Free cash withdrawals from Banco Santander ATMs in Spain and worldwide
A limit of up to 60.000€ and financing at 12% APR and an annual NIR of 11,39%
24/7 concierge emergency pharmacy, locksmith, tech support...
Greater protection in travel insurance, purchases, fraud, emergency cards...
Get in touch with Openbank

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