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

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.

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:

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.


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


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.


Verify your identity

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


Sign electronically

We will send you an SMS text with a security code to access your contract so that you can sign it online.

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!