Virtual Credit Card

Card issuance and renewal are completely free. Transferring money from a current account to the card is free. The 3D Secure Code 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• Cash withdrawals from other banks outside the EU: 4.5% of the amount withdrawn.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 instalments:

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

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

Representative example for €1,500 drawn on 1st of the month, with financed payment option (revolving), and 48 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 18.00% NIR; 19.56% APR; 47 instalments of €44.06 and a final instalment of €44.25. Total amount of credit: €1,500. Total amount owed: €2,115.07. Total cost of credit: €615.07. The calculation includes the card issuance fee: €0. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. Therefore, for this specific example, the cash purchase price would be €1,500 and the total amount to be repaid in instalments would be €2,115.07.

Please note that the monthly instalments are first and foremost used to pay off interests and charges and, secondly, to repay the amount borrowed, so choosing reduced instalments may only cover repayment of the residual interest proportion of the credit.

• Finance your purchase:

Get zero-interest financing (0% APR)¹ over 1 month for your purchases and payments of at least €30. Or, if you prefer, you can pay in instalments, over 2 to 36 months (annual NIR: 14.00%; APR: 14.93%)².

Representative example for a purchase of €200 financed over 1 month: 0% annual NIR, 0% APR. Lump-sum payment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interest: €0. French amortisation schedule. Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortisation schedule. Therefore, for this specific example, the cash purchase price would be €200 and the total amount to be repaid in instalments would be €204.68.

Yes, you can finance a payment of €30 or more charged to the account associated with your credit card. The money will be instantly transferred to the account, decreasing limit available on your card. You can finance your purchases of €30 or more over one month interest-free (0% APR) on the website or app, or you can pay in instalments, over 2 to 36 months (14.00% annual NIR; 14.93% APR).

Representative example for a purchase of €200 financed over 1 month: 0% annual NIR, 0% APR. Lump-sum payment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interest: €0. French amortisation schedule.

Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortization schedule. Therefore, for this specific example, the cash purchase price would be €200 and the total amount to be repaid in instalments would be €204.68.

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 3D Secure Code System and free SMS confirmation alerts.

Plus, you can make pin-free purchases of less than €50 thanks to contactless technology.

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

Travel accident insurance that covers claims for death or disability as a result of an accident as a passenger on public transport, provided that the ticket had been paid for with the card. This insurance covers the holder and any other person whose journey was paid for with the holder’s card. Maximum compensation: €120,202.42.

It also includes another accident insurance that in the event of claims for death or disability of the holder as a result of an accident at work or during their day-to-day pays out compensation equal to the sum of charges to the account for purchases made with the card in the last 12 months. Maximum compensation: €6,010.12.

For further information on the coverage and terms and conditions, see the corresponding policy.

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’re discounts you can get on top brands when you pay with your Openbank cards. Check them out here!

The fees and interest rates for the latest calendar quarter can be found on the “Bulletin Board” tab on the Openbank Legal Information page by clicking here. You can find further information in Annex 1 in the “Information on fees and interest rates charged or offered”.

For further information, call us on (+34) 91 177 33 10 and we'll be glad to help.

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

For further information on your rights, click here