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 for the money you need and for the days you have used it. And if you use it in April and May 2020, interest will be 0% TIN (0%) and APR, on your limit.

Immediate credit with no hassle

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 and during April and May 0% TIN and APR

  • 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. And in April and May 2020 you have no cost to use it, the interest rate will be 0% TIN (0%) and APR, on your limit.

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.


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.