Additional money to handle the unexpected
No opening or application fees.
You will only pay interest for the money you need and for the days you have used it.
If you pay in your salary by direct debit or have savings, funds or investments in Openbank.
Money to cover the unexpected*
You can apply for between 300€ and 12.000€ as additional balance in your account.
No opening or application fees.
Very easy to obtain. The amount that we grant will depend on your salary and your savings and investments in Openbank.
Only pay for what you use
Only pay interest on the amount used and for the days you have used it. If you don’t use it in the end, it won't cost you anything! For example, if you use 500€ for 10 days you will only pay 1,06€ for the month.
Annual NIR of 7,72% (8,00% APR) with no opening or application fees provided that you have used it.
Easy and convenient
Apply for it online and it will be available in less than a minute.
It will be available for one year and renews automatically, provided that your conditions do not change.
* No contract will be signed. The credit is subject to grant and study by Openbank, provided that the following requirement is fulfilled: have the payroll paid in directly or have savings, funds or investments in Openbank
Become a customer in just three steps, wherever you are
Complete the online form
To become a customer, we need to know a few things about you. Complete the online form and choose your access code.
Confirm your identity
Without having to go anywhere. By video call, providing your account number in another bank or with a messenger.
We will send you an SMS text with a security code in order to access your contract so that you can sign it online.
Would you like to learn more about Overdraft Protection?
This is a loan for unexpected events that allows you to address any unexpected expenditures. Very easy to obtain: you only need to arrange for your salary to be directly deposited or have savings, funds, securities or deposits in Openbank.
Once approved, this additional balance will be available in your account so you can manage your unexpected events with total peace of mind. In addition, if you don't use it, it won't cost you anything. You only pay for the amount you use and the days you use it
From 300€ up to a maximum of 12.000€*.
* The limit of the credit will be set once your repayment capability is evaluated by Openbank's Risk Department.
- We will lend you money immediately for unexpected events.
- No application or opening costs or fees.
- Paperless, it is a very simple process.
- You only pay interest on the money you use and the days you used it.
- 0 € in fees if you do not use the money.
- You need only pay in a salary directly or have deposits, savings accounts, funds or securities in Openbank.
If you don't use it, it won't cost you anything. You only pay for the amount you use and the days you use it.
The annual nominal interest rate (NIR) is 7,72%(1) (8,00% APR(2)). We will charge the interest to your current account monthly on the same date as the monthly settlement of your account.
For example, if you use 500€ for 10 days to pay your car insurance, when your account is settled you will only pay 1,07€.
(1) Provided that you meet the following requirement: Have the salary paid in directly or have savings, funds or investments in Openbank.
(2) Annual NIR of 7,72% (8,00% APR) with monthly settlement.
It's as easy as clicking here, and it will be available immediately, if you pay in your salary directly or have deposits, savings accounts, funds or securities in Openbank.
You can also apply for this credit immediately* through our app with your mobile phone or tablet.
If you prefer a more personal service, you can call us on +34 91 177 33 37
* If you meet the necessary requirements: Have the salary paid in directly or have savings, funds or investments in Openbank.
We make it extremely simple for you. Call us on +34 91 177 33 37, and our specialist investment team will give you any assistance you require.