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 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 benefits

  • Get 1% cashback on your electricity, gas, telephone, mobile phone and internet bills paid by direct debit from your account when your salary, pension or unemployment benefits are directly deposited or if you receive regular transfers of at least €900 from any bank.

  • Take advantage of improved conditions for other Openbank products, such as the Openbank Savings Account.

  • Save on top brands with Open Discounts when you pay with your cards.

0% NIR and 0% APR.

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. Subject to prior approval by Openbank's Risk Department.


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