Savings accounts

Interest-bearing Accounts

Your savings grow from day one and the first euro

Your savings grow from day one and the first euro

Check them out

Welcome Savings Accounts
For new customers, with no charges or fees.

Welcome Savings Account

For new customers. Interest on your savings from day one. Deposit or withdraw cash whenever you want with no charges or fees via a standard external transfer in euros within the EU or internal transfer between accounts.

1.25% APR (1)
Save from €1 to €100,000
Access your money whenever you want
No maintenance, administration or closing fees
Find out more

Welcome Savings Account with Payroll

For new customers. Interest on your savings from day one. Deposit or withdraw cash whenever you want with no charges or fees via a standard external transfer in euros within the EU or internal transfer between accounts.

5.12% APR(2), 5% annual NIR up to €5,000 for the first 12 months, subject to conditions.
You can open it from €1 and increase the balance whenever you want and for as long as you want.
Access your money whenever you want
No maintenance, administration or closing fees
Find out more

Savings Accounts 
For everyone, with no charges or fees.

Openbank Savings Account

For existing customers. Interest on your savings from day one. Deposit or withdraw cash whenever you want with no charges or fees via a standard external transfer in euros within the EU or internal transfer between accounts.

Up to 0.20% APR and annual NIR from day one, subject to conditions (3).
Save from €1, with no maximum amount
Access your money whenever you want
No maintenance, administration or closing fees
Find out more

Open Young Savings Account

For your little ones. We offer you a flexible child savings account where their money grows as they get older. You can also withdraw the money via an internal or external transfer with no charges or fees.

0.15% APR and annual NIR from day one (4).
Save from €1 to €1,000,000
Access your money whenever you want
No maintenance, administration or closing fees
Find out more

What is a Interest-bearing Accounts?

Interest-bearing accounts are like piggy banks - you deposit the money you want to save. They offer you a return and/or other type of interest. The return on each Savings Account is indicated by the NIR (Nominal Interest Rate), which specifies the interest you will earn.

When can you access your money?

You can carry out a standard external transfer from your Savings Account at any time and without any fees. You can also transfer between your accounts at Openbank.

(1) Interest for the first year. Monthly interest settlement.

Representative example of interest earned with a constant balance of €25,000 for the first 12 months at 1.25% APR and annual NIR: gross annual interest of €312.50

(2) Interest for the first year. Monthly interest settlement.

Representative example with a constant balance of €5,000 in the first year:

  • If conditions are met i.e., you arrange for your salary or pension of at least €900 to be paid directly into your Openbank account (condition): 5% annual NIR (5.12% APR). Gross annual interest of €250.
  • If conditions are not met: 0.05% APR and annual NIR. Gross annual interest of €2.50

(3) Representative example of interest earned with a balance of €10,000 held for the first year:

-If you set up a direct deposit of your salary or pension of at least €600 or direct debits for three monthly or bimonthly bills: at 0.20% APR and annual NIR, the gross annual interest would be €20.

- If you don't meet the previous conditions: at 0.05% APR and annual NIR, the gross annual interest would be €5.

No maximum limit to earn interest on. Monthly settlement of interests.

(4) Representative example for a balance of €6,000 held for the first year at 0.15% APR and annual NIR: gross annual interest of €9.