Protecion discovered the ideal solution for unforeseen

Overdraft Protection

The ideal solution for the unexpected

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Peace of mind for your everyday life

Additional money to handle the unexpected

No costs or fees

No opening or application fees.

Pay only if you use it

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

Immediate credit with no hassle

If you pay in your salary by direct debit or have savings, funds or investments at Openbank.

Instant 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.

  • Simple to obtain. The amount we grant will depend on your salary and your savings and investments at Openbank.

Only pay for what you use

  • Only pay interest on the amount drawn 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) will be charged at the time of the monthly settment of your account, provided you have used it.

Easy and convenient for you

  • 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 loan is subject to Openbank's approval and analysis, provided that the following requirement is met: salary is paid in directly, or savings, funds or investments are held at 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.


Sign electronically

We will send you an SMS text with a security code in order to access your contract so that you can sign it online.