Diamond Card Pack (Credit and Debit)

With your Diamond Mastercard Debit Card, you can withdraw cash for free:

• At any Banco Santander ATM. Plus, you have up to 24 free cash withdrawals at other cash points in Spain.
• At more than 30,000 Banco Santander ATMs around the world.

You have a wide range of services to choose from. The personal assistance services are arranged through MGA Multiasitencia, S.A. You can call 24 hours a day, 365 days a year on the MGA Multiasistencia, S.A. numbers: (+34) 91 832 97 91 or (+34) 900 901 287.

It includes a range of benefits through useful services: information and bookings, travel agencies, telepharmacy, urgent locksmith, processing of documents and errand service, technological assistance and domestic staff.

See further details on this service.

It includes three types of useful insurance: travel assistance insurance, fraud protection, and accident insurance. It protects holders of the Diamond Card Pack against flight cancellations or delays, as well as medical emergencies while travelling, with cover for holders + spouse / children + 5 people who travel with the cardholder.

Zurich Travel Assistance Insurance

Provided that the trip was paid for with any of the Diamond cards, it offers cover for international travel (national travel is excluded:

• Personal accident:

- €500,000 per person up to a maximum of 5 people

- Reimbursment of purchases made with the Diamond cards one year prior to the accident up to €6,000.

• Travel assistance: among other types of cover, it includes

- Accident or illness, for example, medical expenses up to €50,000, repatriation, up to €15,000 in hospital expenses in advance, up to €2,000 in accommodation for a family member, etc.

- Luggage/belongings: damage or theft up to €1,500, delay up to €600, stolen contents from hotel safe up to €200.

- Delayed transport: delays, cancellations, missed connections, etc.

- Third-party Liability: up to €90,000 with advance legal expenses up to €1,500.

See further details on this insurance here or, if you prefer, you can consult the simplified policy here.

Free insurance against fraud.  

• From the moment you notify us, you will be protected against possible fraud with your Diamond Card. Maximum of two claims per year, with no excess. From the third incident, the excess is €50.

Travel Accident Insurance with Santander Seguros y Reaseguros, S.A.

Travel accident insurance that covers claims for death or disability as a result of an accident as a passenger on public transport, provided that the ticket had been paid with the card. This insurance covers the holder and any other person whose journey was paid for with the holder’s card. Maximum compensation: €601,012.10.

It also includes another accident insurance that in the event of claims for death or disability of the holder as a result of an accident at work or during their day-to-day pays out compensation equal to the sum of charges to the account for purchases made with the card in the last 12 months. Maximum compensation: €6,010.12.

For further information on the coverage and terms and conditions, see the policy.

If you lose your card abroad, we will cancel it and send you cash or an emergency card.

Replacement of card or cash advance in the event of emergency in other locations or abroad. The services offered to Diamond customers are:

• Card Replacement: Delivery of an emergency card in one working day in the United States and two working days in any other country,  with seven global centres for printing Visa cards and nine for printing MasterCards.

• Cash Advance: Emergency cash advance at offices set up with Western Union.

• Virtual payment service: Option not to physically present the card at restaurants, hotels, on transport and in shops, while the emergency card is on its way (only available for the MasterCard debit card and requires authorisation by the business).

Of course, because the Diamond Visa Credit Card adapts to your needs.

• Pay in instalments: 

Settle your payments in fixed or variable instalments. The minimum amount you can finance is 5% of your credit card limit, with a minimum instalment of €15.

The applicable interest rate is 0.95% monthly, 11.39% annual NIR (APR 17.12%).

Representative example for €1,500 drawn on 1st of the month, with financed payment option (revolving credit), and 48 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 11.39% NIR; 17.12% APR; 47 instalments of €39.05 and a final instalment of €39.23. Total amount of credit: €1,500. Total amount owed: €2,039.58. Total cost of credit: €539.58 - €374.59 in interest + €165 in renewal fees for 3 years. The calculation includes the card issuance fee: €0, and from the second year onwards, the renewal fee for cards is €55 each year. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortisation schedule. Therefore, for this specific example, the cash purchase price would be €1,500 and the total amount to be repaid in instalments would be €2,039.58. Please note that the monthly instalments are first and foremost used to pay off the agreed interests and charges and, secondly, to repay the amount borrowed; therefore, choosing reduced instalments may only cover repayment of the residual interest proportion of the credit.

Please note that the monthly instalments are first and foremost used to pay off interests and charges and, secondly, to repay the amount borrowed, so choosing reduced instalments may only cover repayment of the residual interest proportion of the credit.

• Finance your purchase:

Get zero-interest financing (0% APR)¹ over 1 month for your purchases and payments of at least €30. Or, if you prefer, you can pay in instalments, over 2 to 36 months (annual NIR: 9.57%; APR: 10.00%)².

Representative example for a purchase of €200 financed over 1 month: 0% annual NIR, 0% APR. Lump-sum payment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interest: €0. French amortisation schedule. Representative example for a payment of €1000 financed over 12 months, made on the 1st of the month with 12 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement. Annual NIR: 9.57%; APR: 10.00%; 11 instalments of €87.72 and a final payment of €87.67. Total amount of credit: €1,000. Total amount owed: €1,052.59. Total cost of credit: €52.59. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. Therefore, for this specific example, the cash purchase price would be €1,000 and the total amount to be repaid in instalments would be €1,052.59.

Yes, you can finance a payment of €30 or more charged to the account associated with your credit card. The money will be instantly transferred to the account, decreasing limit available on your card. You can finance your purchases of €30 or more over one month interest-free (0% APR) on the website or app, or you can pay in instalments, over 2 to 36 months (11.39% annual NIR; 10.00% APR).

Representative example for a purchase of €200 financed over 1 month: 0% annual NIR, 0% APR. Lump-sum payment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interest: €0. French amortisation schedule.

Representative example for a payment of €1000 financed over 12 months, made on the 1st of the month with 12 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement. Annual NIR: 9.57%; APR: 10.00%; 11 instalments of €87.72 and a final payment of €87.67. Total amount of credit: €1,000. Total amount owed: €1,052.59. Total cost of credit: €52.59. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. Therefore, for this specific example, the cash purchase price would be €1,000 and the total amount to be repaid in instalments would be €1,052.59.

The issuance of both Diamond cards is free for the main holder. Renew them for just €55 per year. Any additional cards you request are free and have no fees for issuance or renewal.

Diamond MasterCard debit card.

• Withdraw cash at all ATMs in Spain: free

• Withdraw cash at over 30,000 Banco Santander ATMs around the world: free.

• Withdraw cash at other banks' ATMs in the EU: You will only pay the commission shown on the ATM.

• Withdraw cash at other banks' ATMs outside of the EU: 4.5% of the cash withdrawn (minimum fee: €3).

• Domestic transfers in euros, check balance and statements and top up your mobile phone at Banco Santander ATMs in Spain: free.

• Check balance and perform other transactions at other ATMs: €0.50 (single fixed amount).

• Purchase in foreign currencies: 3% of the amount.

• Monthly fee for alert service (text alerts of payments made with the card): free.

Diamond VISA Credit Card.

• Credit card cash withdrawals at ATMs: 3.90%. Minimum fee: €3.90. There may also be additional fees for:
  • Cash withdrawals from other banks in Spain: You will only pay the fee indicated by the ATM.
  • Cash withdrawals from other banks within the EU. You will only pay the fee indicated by the ATM.
• Withdraw cash at other banks' ATMs outside of the EU. 4.5% of the cash withdrawn. Minimum: €3
• Purchases in foreign currencies: 3% of the amount. Minimum: €2
• Transfer cash from your current account to your Diamond Visa Credit Card: free.
• Transfer cash from your Diamond Visa Credit Card to your current account: 3.90% of the amount transferred. Minimum: €3.90
• Monthly fee for alert service (text alerts of payments made with the card): free.

With contactless technology, all you need to do is hold your Premium cards close to the terminal for automatic and secure payment. Plus, if the amount of the purchase is less than €50, you will not be asked to enter your PIN number.

Set up free SMS alerts to be instantly notified about any purchases made with your card. You’ll be sent an SMS message with the transaction amount.

You can also protect your online purchase by activating the 3D Secure Code system on the website. You’ll receive an SMS message with an alphanumeric code that allows you to authorise any online purchase you make.

Apply for it here or by calling +34 91 177 33 37.

Once you have received your Diamond Pack, check the PINs online by logging in to the Customer Area. You can change it to one that is easier to remember.

They’re discounts you can get on top brands when you pay with your Openbank cards. Check them out here!

The fees and interest rates for the latest calendar quarter can be found on the “Bulletin Board” tab on the Openbank Legal Information page by clicking here. You can find further information in Annex 1 in the “Information on fees and interest rates charged or offered”.

For further information, call us on (+34) 91 177 33 10 and we'll be glad to help.

We make it simple. Call us on +34 91 177 33 37 and our team of professionals will be glad to help with anything you need.

For further information on your rights, click here