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The risk indicator corresponds to the Welcome Savings Account and the Open Young Savings 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 for Credit Institutions. For cash deposits, the maximum guaranteed amount is €100,000 per depositor in each credit institution.

Savings Accounts

Your savings grow from the first day and euro

Openbank Interest-bearing Account

Your savings earn interest from day one. Access your money whenever you want - no fees or charges1.

Openbank Interest-bearing Account

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Earn interest on your savings at 2.02% APR and 2% annual NIR for a whole year if you activate Bizum.
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Earn interest from day one

Activate Bizum on Openbank and you'll earn interest on your savings for one year at 2.02% APR1 and 2% annual NIR.
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Save at your own pace

Deposit as much as you want, when you want and for as long as you want.
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Full access to your money

Withdraw what you want, whenever you want.
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No fees

It's free to open, maintain and close your account.

Open Young Savings Account

A savings account for the little ones of the house. Their savings grow as they get older. And, of course, no fees or charges1.

Open Young Savings Account

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It’s never too early to start saving
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Savings that grow with them

Balance from €1 to €1,000,000 at 0.15% APR1 and annual NIR. Earn interest every month!
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Saving at their pace

Deposit as much and as often as you want until they turn 18.
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Full access to savings

Withdraw all or some of the money, and the interest earned, at any time.
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No fees or charges

Open, maintain, close and send transfers with no charges or fees.
What is a savings account?

The main feature of a savings account is that it offers you a return. The return on each savings account is indicated by the NIR (Nominal Interest Rate), which tells you how much 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 fee-free. You can also transfer between your accounts at Openbank.

For the Openbank Interest-bearing Account

1 No fees for opening, maintaining or closing the account. See the pre-contractual information and Fee Information Document for the Openbank Interest-bearing Account.

Interest corresponding to the first year. Monthly interest settlement.

REPRESENTATIVE EXAMPLE of interest with a constant balance of €10,000 for one year at 2.02% APR and 2% annual NIR. Gross annual interest of €200.

For the Open Young Savings Account

No fees for opening, maintaining or closing the account. See the pre-contractual information and Fee Information Document for the Open Young Savings Account.

REPRESENTATIVE EXAMPLE of interest with a constant balance of €6,000 for one year at 0.15% APR and 0.15% annual NIR. Gross annual interest of €9.