This risk indicator corresponds to the Welcome Savings Account with Payroll, Openbank Savings Account and the Open Current Account.
1/6
This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest risk.
Member Bank of Spain's Deposit Guarantee Fund of Credit institutions. For cash deposits, the guaranteed amount is up to €100,000 per depositor in each credit institution.

Openbank Savings Account

Enjoy life to the full while earning 0.20% APR(1) and annual NIR on your savings.

Rentabilidad
Return
Earn interest at an annual NIR and APR of up to 0.20%subject to conditions.
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Save at your own pace
Save from €1, whenever you want and for as long you want.
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Access your money when you need it
Withdraw what you need at any time.
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No fees or charges
Free to open, maintain and close your account.
Get more from your money with the Welcome Savings Account!
Return
Earn interest on your savings from the first day and euro.
  • If you set up a direct deposit for your salary or pension of at least €600/month, or arrange direct debits for three monthly or bimonthly bills, you earn interest at 0.20% APR1 and annual NIR.
  • If you set up neither a direct deposit for your salary or pension nor direct debits for three monthly or bimonthly bills, you earn 0.05% APR1 and annual NIR on any amount. 

The interest is paid into your Openbank Savings Account each month. 

Save at your own pace
The account that adjusts to your savings.Find out more
No fees
Making it much easier to save! Find out more

Learn more about your Openbank account

Cuenta nómina
Want to learn more about the Openbank Savings Account?
What is the Openbank Savings Account?
Can you carry out other banking transactions with your Openbank Savings Account?
What interest do you earn?
Are there any fees?
How can you deposit money into your Openbank Savings Account?
How can you withdraw your money?
How can you open your Openbank Savings Account or obtain more information? 
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Representative examples of interest with a constant balance of €10,000 in the first year.

  • If you set up in your Open Payroll Account a direct deposit for your salary or pension of at least €600/month, or arrange direct debits for three monthly or bimonthly bills: at 0.20% annual NIR (0.20% APR) the annual gross interest would be €20.
  • If the above conditions are not met: at 0.05% annual NIR (0.05% APR) the annual gross interest would be €5.

There is no maximum amount for earning interest in the Openbank Savings Account.