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%.

onboarding

Become a customer in just three steps, wherever you are

1

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.

2

Confirm your identity

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

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 Discounts

Get discounts paying with your Openbank cards