Virtual Credit Card

Card issuance and renewal are completely free. Transferring money from a current account to the card is free. The secure e-commerce system and SMS alert service are also free.

• Credit card cash withdrawals at ATMs: 3.90%. Minimum fee: €3.90. There may also be additional fees for:
  • Cash withdrawals from other banks in Spain: You will only pay the fee indicated by the ATM.
  • Cash withdrawals from other banks within the EU. You will only pay the fee indicated by the ATM.
• Cash withdrawals from other banks outside the EU: 5% of the amount withdrawn. Minimum fee: €3.
• Purchases in a foreign currency: 3% of the amount. Minimum: €2.
• Transferring money from your current account to your Virtual Credit Card: free.
• Transferring money from the Virtual Credit Card to your current account: 3.90% of the amount transferred. Minimum: €3.90.
• Monthly fee for alert service (SMS alerts for payments made with the card): free.

Of course, you can choose the option that best suits at the time.

Pay in installments:

Pay for your purchases in fixed or variable installments. The minimum amount you can defer is 5% of your credit card limit, with a minimum installment of €15.

The applicable monthly interest rate is 1.50% monthly NIR, 18.00% annual NIR (19.56% APR).

Example for a drawdown of €1,500 made on the 1st of the month, with deferred payment, fixed fee to be paid over 12 months, on the assumption that no further drawdowns occur within that period, and that there is no breach of the terms and conditions of the contract. Nominal annual interest rate: 18.00%; APR 19.56%; 11 installments of €137.52 and a final installment of €137.51 euros. Total amount of the credit: €1,500. Total amount owed: €1,650.23. Total cost of the credit: €150.23. The amount of the card issuance fee of €0 has been included in the calculation. This example does not take into account the possibility of further drawdowns from the credit line during this period, nor any incidents with payments.

Finance your purchase:

You can finance any purchase over €60 over 2 to 36 months.

The applicable monthly interest rate is 1.17% monthly NIR, 14.00% annual NIR (14.93% APR).

Example: For a PURCHASE OF €1,000 over 12 months, made on the 1st of the month with the usual form of payment, a fixed fee to be paid in 12 months and under the assumption that there are no further drawdowns within that period, and that there is no breach of the terms and conditions of the contract. Nominal annual interest rate: 14.00%; APR 14.93%; 11 installments of €89.79 and a final installment of €89.77. Total amount of credit: €1,000. Total amount owed: €1,077.46. Total cost of the credit: €77.46. The APR and the total amount to be paid by you are calculated under the assumption that the Contract will remain in force during its entire duration and that the Parties will fulfil their obligations under the terms and within the deadlines agreed upon.

Yes, you can finance any payment of €60 or more charged to your current account associated with your Virtual Credit Card. The money will be transferred instantly to the account and will be deducted from the amount of your Virtual Credit Card limit available. Choose the terms to pay it over: from 2 to 36 months. You can defer payments from the last 3 months shown in the list of transactions with the option 'Defer payment' on the website or app.

The applicable monthly interest rate is 1.17% monthly NIR, 14.00% annual NIR (14.93% APR).

Example: For a DEFERRED PAYMENT of €1,000 over 12 months, made on the 1st of the month in the usual form of payment, a fixed fee to be paid in 12 months and on the assumption that there are no more drawdowns within that period and that there is no breach of the terms and conditions of the contract. Nominal annual interest rate: 14.00%; APR 14.93%; 11 installments of €89.79 and a final installment of €89.77. Total amount of credit: €1,000. Total amount owed: €1,077.46. Total cost of the credit: €77.46. The APR and the total amount to be paid are calculated on the assumption that the Contract will remain in force throughout its duration and that the Parties will fulfil their obligations under the terms and within the deadlines agreed upon.

Once you have applied for your card, it will be available instantly on the website and app and you can start to use it right away. What's more, given that it is not a physical card, it is environmentally friendly.

Your online purchases are more secure than ever thanks to our secure e-commerce systems and free SMS confirmation alerts.

Plus, you can make pin-free purchases of less than €20 thanks to contactless technology. On a temporary basis, due to the COVID-19 healthcare alert, you can also make pin-free purchases under €50.

Please note that issuance of the card is subject to approval by Openbank.

Yes, it includes accident insurance for public transport, as long as the transport is paid for with the Virtual Credit Card. This insurance covers the card holder and anyone whose transport has been paid for using the Card.

It also includes accident insurance for the card holder applicable to their professional activity or day-to-day life, covering the payment of compensation equal to the sum of invoices charged to the account for purchases made with the Virtual Credit Card in the last 12 months.

All this is free and covered by Santander Seguros y Reaseguros, Compañía Aseguradora, S.A.

See the corresponding policy for details and specific coverage.

If you are already a customer:

Log in to the Customer Area on the website or through the "Cards" section on the Openbank app.

If you have any questions. call us on (+34) 91 177 33 10 and speak to our team of professionals

If you are not yet a customer:

Become a customer here and apply for your Virtual Credit Card when your account is ready. For further information, call us on (+34) 91 177 33 37.

They are exclusive discounts on top brands when you pay with your Openbank cards. Check them out here!

We make it simple. Call us on phone +34 91 177 33 37 and our team of professionals will be glad to help.