- Fee-free cash withdrawals with your Premium Debit Card at over 7,000 Banco Santander and Euro Automatic Cash ATMs in Spain.
- Up to €12,000 credit limit on your Premium Visa Debit Card and better financing for flexible payments3. Pay off your credit card in the first month with a lump sum at 0% APR4 and 0% NIR, or in fixed or variable monthly instalments at 13.86% APR and 11.39% annual NIR5.
- Choose to finance payments and purchases over €30 made with your credit card for 1 month interest-free (0% APR1 and 0% annual NIR) or, if you prefer, from 2 to 36 months at 10.00% APR and 9.57% annual NIR2.
- Issuance of the Premium Pack is free for the main holder and renewal is €19.90 per year. The issuance and renewal of additional Premium Cards are free of charge.
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1 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.
2 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.
3 Credit limit subject to prior approval by the Openbank Risk Department.
4 Representative example for €1,500 drawn with lump-sum payment at the end of the month: 0% NIR; 0% APR; total amount of credit: €1,500. Total amount owed: €1,500. Total cost of credit: €0. Card issuance fee: €0. Bear in mind that the APR will be subject to change the second year due to the issue fee of €55/year.
5 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.