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Member Bank of Spain's Deposit Guarantee Fund for Credit institutions. For cash deposits, the maximum guaranteed amount is up to €100,000 per depositor in each credit institution.

We'll give you up to 10%
back on every purchase

Set up a direct deposit for your salary (min. €900) and reap the rewards

Join the promotion
Join the promotion by 13 January 2026 with the code: CREDITO500

POCKET UP TO €5001 OVER 6 MONTHS WHEN YOU PAY BY CARD

credit
10%
with a credit card
débito
3%
with a debit card
ahorro

And save money on electricity, water, gas...

We’ll give you 0.50% back on every direct debit for your electricity, gas, landline, mobile and internet bills when you have your salary paid in directly.

Find out more

Join the promotion and start racking up your cashback

Use the code CREDITO500
You can sign up between 17/11/2025 and 13/1/2026 (both inclusive).
Set up a direct deposit for your salary
Or your pension or unemployment benefit of at least €900. You can arrange this between 17 November 2025 and 27 February 2026 (both inclusive).
Are you self-employed? Get in on this too!
Set up a direct debit for your social security contributions and a direct deposit for the income you earn (€900 min.).
And use your cards!
We’ll give you 10% back on what you pay with credit cards(2) and 3% back on debit cards. Get up to €500(1) in 6 months.
Join the promotion
Nómina

Want to take out a credit card2 and get 10% cashback?

Apply for yours on the app or website!

  • You’re in control. You choose when to pay and how to organise your expenses.
  • Level up in security. Cancel your purchase in the event of fraud and prevent the money from leaving your account.
  • And with benefits in tow. Issuance and renewal is fee-free and there are no foreign exchange fees3, not even on weekends!
Apply

Read the pre-contractual information for the Open Payroll Account and the promotional T&Cs.

Want to learn more?
When do you start accumulating cashback?
When do you receive the cashback you have accumulated?
What cards are included in the promotion?
What are the terms and conditions for taking part?

When do you start accumulating cashback?

The first business day of the month after meeting the promotional terms and conditions, ending 6 months from that same date.

For example, if you set up a direct deposit for your salary on 27 November, you will accumulate cashback on your purchases from 1 December 2025 until 29 May 2026 (both inclusive).

When do you receive the cashback you have accumulated?

The month following the end of your promotional period.

For example, if your cashback period ends on 29 May 2026 (inclusive), you will receive the amount you accumulate on your debit and credit card purchases (up to €5001) over the course of June 2026.

What cards are included in the promotion?

Openbank credit2 and debit cards.

You’ll earn back 3% of what you pay with a debit card and 10% of your purchases with a credit card2. The amounts can be added together up to €5001 during the 6-month promotional period.

Prepaid cards are not included.

What are the terms and conditions for taking part?

  • You must be an Openbank customer on 13 January 2026.
  • You must be an individual aged over 18 years old and a resident in Spain.
  • You must be an active Openbank current account holder.
  • Your income must be paid directly into Openbank for at least 24 months.
  • The salary, pension or unemployment benefit must be identified as such with the corresponding interbank code, with recurring income being invalid, except for self-employed customers.
  • You must be the holder of an Openbank card or take it out before 27 February 2026.
  • You must not have had a direct deposit for your salary, pension or unemployment benefit between 15 May 2025 and 16 November 2025 (both inclusive) for amounts greater than €500. For self-employed customers, you must have not had a RETA direct debit set up nor regular deposits for amounts greater than €500 between 15 May 2025 and 16 November 2025 (both inclusive).
  • You must not have benefited in the last 5 years from any campaign for which the established requirement was to set up a direct deposit for your salary, pension and/or unemployment benefit at Openbank and which was associated with the delivery of any product or payment of an incentive, or any other carried out in this promotional period.
  • To take part in the promotion, the cardholder must be the same person who has set up direct debits for their salary, pension, unemployment benefit or conditions required for self-employed persons. The amounts of cards associated with another account holder, if any, cannot be added together.

1Total incentive: up to €500 (before tax), corresponding to the first six (6) months of 10% cashback on credit card purchases or 3% on debit card purchases. Payment of the incentive constitutes investment income, subject to withholding tax, at the current rate of 19%, which will be applied by Openbank in accordance with applicable tax regulations. Customers must declare the incentive received in the savings tax base of their personal income tax (IRPF) return. Customers are entitled to the deduction of the withholding tax applied.

2Issuance subject to prior approval by the Openbank Risk Department.

3Visa may apply a mark-up to European Central Bank exchange rates.

This campaign cannot be used in conjunction with any other involving a direct payment for salaries, pensions or unemployment benefits during the same promotional period, with the exception of the “Nómina Paga Extra 1.500 €” campaign.