This indicator corresponds to the Open Current Account and Open Payroll Account.
This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest.
Member Bank of Spain's Deposit Guarantee Fund for Credit institutions. For cash deposits, the maximum guaranteed amount is €100,000 per depositor in each credit institution.

Open Payroll Account

A fee-free1 account that never stops giving!
If you're a new customer, use code NOMINA


Get 0.5% cashback on your bills

Electricity, gas, telephone, mobile phone and internet.
credit card

Free debit and credit cards2

No card issuance or renewal fees.

Fee-free transfers

Free transfers in euros within Spain and the EU.

Open Discounts

Get discounts on top brands4.
Draw for 3 cash payments of €1,000. Pay in your salary or pension to take part by 31/12/24. Conditions apply.

All you want from a bank, free of charge1

Get ready for all the fee-free stuff1:
  • Opening and closing your account.
  • Account maintenance and administration.
  • An Open Debit Card for the main holder.
  • An Open Credit Card2 when you pay in your salary3.
  • Standard transfers in euros within Spain and the EU.
  • Paying all your bills by direct debit.

Just what you need

Because not everything in life is done online:Find out more

A world of benefits3

Get ready to save more:Find out more

Learn more about your Openbank account

Check out the main features of your account, the essential information and documents, and the applicable cooling-off period.

Cuenta nómina

Want to learn more about the Open Payroll Account?

What do you get with the Open Payroll Account?

How can you enjoy the advantages of the Open Payroll Account?

What if you don't receive a salary, pension or unemployment benefits?

What can you do for free?

How can you arrange for your salary to be paid in directly? And your bills direct debited?

How can you open an Open Payroll Account?

What is Open Discounts?

Need more information?

1 0% APR and annual NIR
Representative example of interest with a constant balance of €10,000 held for the first year at 0% NIR (0% APR): gross annual interest of €0.

2 0% APR and annual NIR. Representative example for €1,500 drawn and lump sum payment at the end of the month: 0% NIR; 0% APR; Total amount borrowed: €1,500. Total amount owed: €1,500. Total cost of credit: €0. Card issue fee: €0. The APR may vary depending on the repayment method selected: financed payment in fixed or variable instalments (revolving credit) or financed purchases for at least €30 over 1 to 36 months, as well as failing to meet conditions. For further Conditions on the rest of repayment methods, click the following link:

3 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.

4 Please note that in order to take advantage of certain discounts, you must pay with an Openbank card.