Loans and credit, solutions to finance your needs

Loans and Credits

Funding solutions to suit your needs

Funding solutions to suit your needs

Find out more

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

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
More information

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
More information

​​​​​​​Another way to finance

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

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
More information

Premium Card Pack (credit and debit)

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 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
More information

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...
More information
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