This indicator corresponds to the Open Current Account and Open Payroll Account.

1/6

This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest.

Member Bank of Spain's Deposit Guarantee Fund for Credit institutions. For cash deposits, the maximum guaranteed amount is €100,000 per depositor in each credit institution.

Open Payroll Account

A fee-free¹ account that never stops giving!
If you're a new customer, use code NOMINA

Apply

Get 0.5% cashback on your bills

Electricity, gas, telephone, mobile phone and internet.

Free debit and credit cards²

No card issuance or renewal fees.

Fee-free transfers

Free transfers in euros within Spain and the EU.

Open Discounts

Get discounts on top brands⁴.

All you want from a bank, free of charge¹

Get ready for all the fee-free stuff¹:

Opening and closing your account.
Account maintenance and administration.
An Open Debit Card for the main holder.
An Open Credit Card² when you pay in your salary³.
Standard transfers in euros within Spain and the EU.
Paying all your bills by direct debit.

Just what you need

Because not everything in life is done online:Find out more

A world of benefits³

Get ready to save more:Find out more

See the Pre-contractual Information and Fee Information Document for the Open Payroll Account

Apply

¹ 0% APR and annual NIR
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% APR and annual NIR. 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 1 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.

⁴Please note that in order to take advantage of certain discounts, you must pay with an Openbank card.