Alerta de liquidez
  • The redemption, withdrawal or early cancellation of all or part of the principal invested are subject to fees or penalties.
Payroll Account Openbank

Fee-free Open Payroll Account1

Check out the benefits of the fee-free1 Payroll Account

Open your account

Get 0.5% 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.

  • Maintenance and administration of your Openbank Savings Account are free of charge​​​​​1.

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

  • The Open Credit card is free2 when you arrange for your salary to be paid directly into your account3.

  • 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

1 0% NIR and 0% APR.
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% anual NIR, 0% APR. 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 2 to 36 months, as well as failing to meet conditions. For further Conditions on the rest of repayment methods, click the following link: https://www.openbank.es/en/credit-card-visa-opencredit

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.

onboarding

Open an account in just three steps, no matter where you are

1

Fill out your details

To open an account, 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.

2

Verify your identity

From the comfort of your own home. By video identification or via transfer.

3

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 account

Want to learn more about the Open Payroll Account?

What do you get with the Open Payroll Account?

Arrange for your salary to be paid into Openbank1 and enjoy all these advantages:

  • You will receive 0.5% cashback on your main bills: electricity, gas, telephone, mobile phone and Internet.

  • Free Open Credit Card.

  • The option to receive an advance on your salary with Openbank's Overdraft Protection.

  • You will earn a better interest rate with the fee-free Openbank Savings Account.

1 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. 

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

By having your salary, pension or unemployment benefits of at least €900 paid directly into your account. 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.

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

You can still open the account. All you have to do is make one monthly transfer of at least €900 to be eligible for the benefits.

What can you do for free?

  • Obtain or renew the Open Debit Card for the main holder.

  • Obtain or renew the Open Credit Card for all holders.

  • Deposit or withdraw cash in euros with the debit card at any Banco Santander branch or ATM in Spain.

  • Withdraw cash with the debit card from over 7,500 Banco Santander ATMs in Spain.

  • Make or receive standard transfers in euros within Spain and the EU.

  • Pay all of your bills by direct debit.

See the applicable fees for using the main services associated with the payment account in the Pre-Contractual Information.

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

It's simple:

Salary: Fill in this application, sign it and give it to your company. You can also give them your Open Payroll Account Number.

Bills: You have several ways to arrange direct debits for your bills:

  • You can upload an image of your bill.  In your Customer Area, go to “Accounts/Direct Debits”, click on “Direct Debit Management” and then “Pay bills by direct debit”.
  • Or, if you prefer, fill in this application form and send it to us at domiciliaciones@openbank.es. We'll handle the rest at absolutely no cost.
  • You can also send the application by post, with a photocopy of your bills, to Openbank, Paseo de la Castellana 134, 28046 Madrid (Spain).

How can you open an Open Payroll Account?

​​​​​​If you are a customer:

You can switch your Current Account to a Payroll Account, without changing account numbers. 

Enter the customer area and select the Current Account where you already have or are going to deposit your income and click on the "Open Payroll Account" option at the bottom right-hand side of the screen.

​​​​​​If you are not yet a customer:

  • Call us on +34 91 177 33 37

  • Come see us at our main branch at Paseo de la Castellana, 134, Madrid.

What is Open Discounts?

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

Need more information?

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

For further information on your rights, click here

Check out more products and services on your online banking homepage.

What do you get with the Open Payroll Account?

Arrange for your salary to be paid into Openbank1 and enjoy all these advantages:

  • You will receive 0.5% cashback on your main bills: electricity, gas, telephone, mobile phone and Internet.

  • Free Open Credit Card.

  • The option to receive an advance on your salary with Openbank's Overdraft Protection.

  • You will earn a better interest rate with the fee-free Openbank Savings Account.

1 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. 

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

By having your salary, pension or unemployment benefits of at least €900 paid directly into your account. 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.

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

You can still open the account. All you have to do is make one monthly transfer of at least €900 to be eligible for the benefits.

What can you do for free?

  • Obtain or renew the Open Debit Card for the main holder.

  • Obtain or renew the Open Credit Card for all holders.

  • Deposit or withdraw cash in euros with the debit card at any Banco Santander branch or ATM in Spain.

  • Withdraw cash with the debit card from over 7,500 Banco Santander ATMs in Spain.

  • Make or receive standard transfers in euros within Spain and the EU.

  • Pay all of your bills by direct debit.

See the applicable fees for using the main services associated with the payment account in the Pre-Contractual Information.

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

It's simple:

Salary: Fill in this application, sign it and give it to your company. You can also give them your Open Payroll Account Number.

Bills: You have several ways to arrange direct debits for your bills:

  • You can upload an image of your bill.  In your Customer Area, go to “Accounts/Direct Debits”, click on “Direct Debit Management” and then “Pay bills by direct debit”.
  • Or, if you prefer, fill in this application form and send it to us at domiciliaciones@openbank.es. We'll handle the rest at absolutely no cost.
  • You can also send the application by post, with a photocopy of your bills, to Openbank, Paseo de la Castellana 134, 28046 Madrid (Spain).

How can you open an Open Payroll Account?

​​​​​​If you are a customer:

You can switch your Current Account to a Payroll Account, without changing account numbers. 

Enter the customer area and select the Current Account where you already have or are going to deposit your income and click on the "Open Payroll Account" option at the bottom right-hand side of the screen.

​​​​​​If you are not yet a customer:

  • Call us on +34 91 177 33 37

  • Come see us at our main branch at Paseo de la Castellana, 134, Madrid.

What is Open Discounts?

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

Need more information?

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

For further information on your rights, click here

Check out more products and services on your online banking homepage.

Learn more about your Openbank account

Advantages for your day-to-day

An account for fast and simple daily banking: free transfers in euros within the EU, free ATM cash withdrawals with your debit card, no fees (0% APR, 0% NIR), and plenty more!

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