SMART CHOICES SURE PAY OFF: 3.25% APR1 FOR A WHOLE YEAR
✔ For all your money when you activate Bizum
✔ €200 extra with 2 direct debits (€20/month for 10 months)
With the Openbank Interest-bearing Account, activate Bizum and bring all your savings to Openbank and earn 3.25% APR1, 3.20% annual NIR, for a whole year.
Bring over at least 2 direct debits and get €20 a month cashback for 10 months. Any direct debit of any amount valid. Until 29/10/2026.
Reap the rewards using the code OPEN325
Day-to-day banking: hassle-free and zero fees
Reap the rewards using the code OPEN325
For your travels: change countries, not cards
Travel fee-free by switching on Travel+6:
✔ 0€ fees on purchases in any currency7, every day of the week.
✔ 0€ fees on cash withdrawals at any ATM worldwide, up to 2 times a month.
And when you no longer need it, simply switch Travel+ off in the app. Until your next trip.
Invest in your future: just €1 fee to buy or sell shares and ETFs
✔ Any market. Any amount. Same €1 fee. Whether it’s the US, Europe or Spain.
✔ Plus, €0 custody fees.
✔ Plenty to choose from: more than 4,000 shares and over 1,200 ETFs.
✔ Buy, sell and track your investments 24/7, no matter where you are.
100% digital, 100% human support
Watch your savings grow, finance purchases, chat with an agent and manage your investments.
Speak to people who know your case and who are on hand to help when you need them.
Acknowledged as one of the banks most highly valued by its customers4.
With the security of one of the world's largest financial groups.
With the backing and solvency of the Santander Group
Want us to handle it all for you?
When you open an account, just ask us to do the switch for you: your accounts, direct debits, and even your balance. Bye-bye hassle!
1Interest corresponding to the first year. Monthly interest settlement.
REPRESENTATIVE EXAMPLE of interest with a constant balance of €10,000 for one year at 3.25% APR and 3.20% annual NIR. Gross annual interest of €320.
2Open Current Account, no fees for opening, maintaining or closing the account; and Open Debit Card with no application or renewal fees for the main holder. See the Fee Information Document for the Open Current Account and the Pre-contractual Information for the Open Debit Card.
REPRESENTATIVE EXAMPLE of interest with a constant balance of €10,000 for the first year at 0% annual nominal interest rate (0% APR): gross annual interest of €0.
3If the source and destination accounts are in different currencies, the exchange rate available on the website will apply. Foreign exchange fees may apply.
4 Source: Benchmarking NPS Stiga, second half of 2025.
5 REPRESENTATIVE EXAMPLE of the fixed 6-Month Open Deposit, with interest paid at maturity and a deposit balance of €25,000: (i) if all conditions are met, 3.25% APR and 3.22% annual NIR will be applied, and the gross interest would be €402.50; (ii) if all conditions are not met, 2.75% APR and 2.73% annual NIR will be applied, and the gross interest would be €341.25 (iii) in both cases, if you fail to comply with the 6-month term and only hold the balance for 3 months, for example, 0.20% APR and annual NIR will be applied, and the gross interest would be €12.50.
6 We'll refund the €4.99 Travel+ fee to the account linked to your card within a maximum of 30 days.
7 Visa and Mastercard may apply a mark-up to the European Central Bank exchange rate.
If you have any queries regarding our products or services, please send them to ayuda@openbank.es.
You can report any breach of Openbank’s General Code of Conduct or corporate principles through Canal Abierto (Open Channel), our whistleblowing channel.
Find us on:
