Payroll Account Openbank

Open Payroll Account

Check out the benefits of the fee-free1 Payroll Account

Open your account

Get 1% cashback on your bills

Electricity, gas, telephone, mobile phone and internet.

Your fee-free debit and credit cards

No issuance of renewal fees.

Fee-free transfers

Transfers in euros within Spain and the EU are free of charge.

Open Discounts

Get discounts on top brands.

Everything you're looking for in a bank, plus no fees1

  • Opening and closing your Payroll Account is free1.

  • No maintenance fees1.

  • The Open Debit Card is free for the main holder.

  • The Open Credit card is free when you arrange for your salary to be paid directly into your account2.

  • Your standard transfers in euros within Spain and the EU are free of charge.

  • Paying your bills by direct debit is free.

Just what you need

  • Your fee-free1 Open Payroll Account.

  • 7,500 Banco Santander ATMs in Spain that you can use free of charge.

  • 3,000 Banco Santander branches in Spain where you can deposit or withdraw cash.

  • Upon request, we can send alerts to your mobile phone about transactions in your payroll account.

  • Our staff are on hand to offer you a personalised service.

Plus a wide range of benefits2

0% NIR and 0% APR
Representative example of interest with a constant balance of €10,000 during the first year at 0% annual nominal interest (0% APR): gross annual interest of €0.

2 You can enjoy the benefits of the Payroll Account if: (i) you arrange for your salary, pension or unemployment benefit of at least €900 to be paid directly into your account; or (ii) you receive monthly transfers of at least €900 from any other bank. 

As of 4 October 2021, the cashback earned on main bills paid by direct debit will be 0.5%.


Become a customer in just three steps, wherever you are


Fill out your details

To become a customer, we need to know a few things about you. Fill out the online form and choose your passcode. Have your DNI or NIE at hand.


Confirm your identity

With no need to go anywhere. By video call, providing your account number in another bank.


Sign electronically

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

Open Discounts

Get discounts paying with your Openbank cards