31 December 2018
Electricity, gas, telephone, mobile phone and Internet.
When you issue or renew them.
No cost within Spain and the EU, in Euros.
On petrol, restaurants, fashion, entertainment, hotels and more
Everything you are looking for in a bank and no fees
Opening and closing your Payroll Account is free.
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 in directly.
Your transfers in Spain and internationally to the EU, in euros, are free.
Having all of your bills direct debited is free.
Just what you need
Your no-fee Open Payroll Account.
7.500 Banco Santander and Popular ATMs that you can access at no charge.
3.000 Banco Santander branches where you can make deposits or withdraw cash.
Upon request, we can send alerts to your mobile phone about transactions in your payroll account.
Our staff are available to offer you personalised service.
As well as all types of benefits
Receive 1% cashback on your electricity, gas, telephone, mobile phone and internet bills directly debited from your account when you have your salary, pension or unemployment benefits directly deposited or if you receive regular transfers of at least 900€ from any bank.
Access improved conditions for other Openbank products, such as the Openbank Savings Account.
Save with Open Discounts on great brands when you pay with your cards.
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.
We will send you an SMS text with a security code in order to access your contract so that you can sign it online.
Do you want to learn more about the Open Payroll Account?
You will receive 1% cashback on your main bills: electricity, gas, telephone, mobile phone and Internet.
Free Open Credit Card.
The option of receiving an advance on your salary with Openbank's Overdraft Protection.
You will earn a better interest rate in the Openbank Savings Account.
Having your salary, pension or unemployment benefits directly paid in for a minimum amount of 900€. You can also take advantage of the benefits of the Open Payroll Account when you receive regular transfers (from any bank) of at least 900€.
You can open it regardless. In order to benefit from all of the advantages you only have to make one monthly transfer of at least 900€.
Obtain or renew the Open Debit card for the main holder.
Obtain or renew the Open Credit Card for all holders.
Withdraw or deposit money and cheques in euros at any Banco Santander and Popular office or ATM in Spain.
Withdraw money from over 7.500 Banco Santander and Popular ATMs in Spain.
Make or receive transfers in euros within Spain and internationally the EU.
Have all of your bills directly debited.
It's very easy:
Salary: Fill out this application, sign it and give it to your company. You can also give them your Open Payroll Account Number.
Bills: Print and sign this authorisation and email it, together with a photocopy of your bills, to firstname.lastname@example.org. We will handle transferring your bills for free. Or, if you prefer, you can send your new account number to the businesses that bill you.
If you are not yet a customer:
Call us on +34 91 177 33 37
Visit us at our main office in Paseo de la Castellana, 134, Madrid.
Enjoy exclusive discounts when paying with your Openbank cards on great brands such as Galp, Telepizza, Iberia, Cortefiel, Women’secret, VIPS, Cines Cinesa, Yelmo y Kinépolis, Europcar, Booking.com and many more. Discover all of our discounts here.
We make it extremely simple for you. Call us on +34 91 177 33 37 and our team of professionals will give you any assistance you require.
Enjoy them paying with your Openbank cards
This number is indicative of the risk of the product, 1/6 indicating the least risk and 6/6 the most risk
This Bank is part of the Deposit Guarantee Fund for Credit Institutions. For deposits in money, the amount guaranteed is €100,000 per depositing party in each credit institution.
What's the promotion?
Set up direct deposit for your your salary or pension into your account in Openbank… and get an Amazon.es gift voucher worth €1001!
How can I get €100 in Amazon.es1?
If you are a customer:
- Register, before 30 November 2018, by clicking on “Join the promotion” and entering the code AMAZON100.
- Arrange to have your salary or pension paid directly into your Open Current Account by 31 December 2018. When you receive your first month's salary or pension, your Open Current Account will automatically become your Open Payroll Account.
If you are not a customer:
- Open your Open Current Account on our website, app or call us on 911 773 337. In the registration process enter the code AMAZON100 in the “Promo Code” field by 30 November 2018.
- Arrange to have your salary or pension paid directly into your Open Current Account by 31 December 2018. When you receive your first salary or pension, your Open Current Account will be automatically converted into your Open Payroll Account, without changing your account number and with the same participants as the current one.
Please note that:
- The code for redeeming the Gift Voucher will be delivered by email to the address listed in the Openbank database the month after the terms of the promotion are met.
- This promotion does not include Openbank customers who had their salary or pension paid in to the bank directly between 2 February 2018 and 2 September 2018 for an amount exceeding €500 or who have benefited from a payroll or pension campaign in Openbank.
- Your monthly salary or pension must be at least €1,000, or at least €600 if you are aged between 18 and 31 years old.
- You must keep having your salary or pension paid automatically into your account for at least 12 months after the first time it is credited to your account.
- Customers will only receive one gift per customer and Open Payroll Account.
- The provision of this prize is considered as income frome capital paid in kind, subject to an tax payment on account of 19%, which will be made by the Bank in accordance with applicable tax regulations. This tax payment on account will not be passed on to the customer. In the saving tax base in their tax return, the customer must declare the value of the prize received increased by 20% plus the tax payment on account not passed on.
Start to enjoy all the advantages of the Open Payroll Account:
- You will get 1% cashback on your main bills: electricity, gas, telephone, mobile phone and Internet.
- Your Open Credit Card free, with no issue or renewal fee.
- Obtain higher interest in your Openbank Savings Account from €1 up to €1,000,000:
- 0.40 % annual NIR2 (0.40 % APR) if your salary or pension of at least €600/month is paid directly into your account, or you pay three bills by direct debit that need to be paid at least every two months.
- 0.10 % NIR2 (0.10 % annual APR) if you do not meet these requirements.
- You can receive your salary early thanks to “Overdraft Protection”. Subject to prior approval by Openbank.
1 Restrictions are applied. See details at: amazon.es/cheques-regalo-condiciones
2 Example of gross interest for an average balance of €6,000 for 1 month: if one of the criteria is met, the monthly gross interest would amount to €2. If none of the criteria are met, the gross interest would amount to €0.50.
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