€70 for you, €70 for your friends. Deal?
✔ When they open an account with €70 min. and activate the card
✔ When you both have Bizum with Openbank for at least 3 months
1, 2, 3... and €70 is coming your way when your friends:
A customer like you earns €70 every 3 minutes
How can you refer them?
On the app
- Go to "Refer a friend" on the Account Overview screen or in the left-hand menu.
- Share the code with your friend.
- Your friend must enter the code when opening their account.
On the website
Log in to your Customer Area on the website > Your profile > Refer a friend.
What do your friends have to do?
Open an account using your code by 29/10/2026 (inclusive).
Deposit at least €70 in their new account and activate their card.
Have Bizum activated with Openbank for at least 3 months.
Don't forget that you must both keep Bizum activated for at least 3 months.
Need your referral code? We’ll show you where to find it, how to share it and where to check the latest referral offer.
We'll show you how to refer a friend to Openbank, share your referral code and track the process from start to finish.
Learn how the Refer a Friend programme works, where to find the latest information and how to get the most out of every referral.
How many friends can I refer?
You can create unlimited referral codes, but only 10 people can open an account using your codes.
The maximum amount you can earn is €700 net.
What happens if I refer more than 10 people?
If you refer more than 10 people, Openbank will only pay the reward for the first 10 friends who meet the promotion requirements, up to a maximum of €700 net.
If Openbank detects any fraudulent or improper use of the referral code, it may exclude the participant from the campaign and withhold or reclaim any rewards paid.
Who can I share my referral codes with?
You can share your code with friends or family who are interested in opening an Openbank account.
Don’t forget: your code is personal, single-use, and should be shared responsibly.
What is considered fraudulent or improper use of the referral code?
Any non-personal or irresponsible use of the referral code will be considered fraudulent or improper. This includes publishing or sharing it on forums, social media, comparison sites, websites, coupon platforms, or any other public or mass-distribution channels.
In these cases, Openbank may exclude the participant from the campaign and withhold or reclaim any rewards paid.
What does my friend need to do for us to get the €70?
Your friends needs to open an Openbank account using your referral code, deposit at least €70 into their new account within 30 days of opening it, activate their card and keep Bizum activated with Openbank for at least 3 months. Bear in mind that, for both of you to receive the €70, you both need to keep Bizum activated with Openbank for at least 3 months.
They must also not have been an Openbank customer in the 12 months before the start of the promotion or signed up for another Bizum promotion in the last 12 months.
When do the 30 days start?
The 30-day period starts from the date your friend opens their Open Current Account.
Within that period, your friends will need to deposit at least €70 into their account and activate their card. You’ll also both need to keep Bizum activated with Openbank for at least 3 months.
Can my friend take part if they were an Openbank customer before?
Yes, but only if they have not been an Openbank customer in the 12 months prior to the start of the promotion.
If they closed their account within the last 12 months, they will not be eligible to take part.
When will you receive the €70?
We won’t pay the full amount in one go. Instead, it will be split into 3 monthly payments:
- €30 in the first month
- €20 in the second month
- €20 in the third month
You’ll receive the money in the current accounts you hold with Openbank between the 15th and 20th of each month, once you’ve met all the promotion requirements.
Where can I get my referral codes?
From the app
- Go to “Refer a friend” from the home screen or the side menu.
- Share the code with your friend.
- That’s it! They just need to use it when opening their account.
From the website
Log in to your Customer Area on the website > Your profile > Refer a friend.
Is the money I receive gross or net (before or after tax)?
It’s net. Openbank applies the corresponding tax withholding and credits the resulting amount to your account.
Can I combine this promotion with other welcome offers?
No. If you open your account using a friend’s referral code, you won’t be able to add another promo code afterwards, such as OPEN275, to benefit from a different welcome offer.
Both promotions are exclusively for new customers and cannot be combined.
Download it for free
Bear in mind that the friends you refer must not have been an Openbank customer at any time during the 12 months prior to the start of the promotion.
Payment of the incentive constitutes investment income in cash, subject to withholding tax at the current rate of 19%, which the Bank will deduct from customers, paying them the resulting net amount. Customers must declare the incentive received in the savings tax base of their personal income tax (IRPF) return. Customers are entitled to the deduction of the withholding tax applied.
Openbank will make the payments as follows:
- €30 in the first month
- €20 in the second month
- €20 in the third month
You’ll receive the money in the current accounts you hold with Openbank during the second half of each month, once you’ve met all the promotion requirements. Bear in mind that, to receive the second and third payments, both you and your friend need to keep Bizum activated with Openbank.