Until: 30/06/2026
Your day-to-day banking
here sure pays off
✔ €200 for two direct debits (€20/month)
✔ €200 for Bizum and your savings (e.g. €10,000 at 2.02% APR1)
Bring over to Openbank your direct debits for at least 2 bills and get €20 cashback per month for 10 months. Set up your direct debits for any bills and any amount!
Activate Bizum and earn interest on the savings you bring over without limit at 2.02% APR1, 2% annual NIR, for a whole year. For example: bring over €10,000, earn €200 interest.
Reap the rewards using the code OPEN400
Day-to-day banking: hassle-free and zero fees
Reap the rewards using the code OPEN400
Whatever you've got in mind, we've got your back
You pick the destination - we'll make sure you have everything you need to enjoy it, with fewer fees along the way.
From your next home to your next big idea, from education to retirement - whatever your goal, we're by your side.
You've got a wide range of products, investment tools and access to top professionals to help you choose the best option to meet your goals.
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 2.02% APR and 2% annual NIR. Gross annual interest of €200.
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 Welcome Savings 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.
5REPRESENTATIVE EXAMPLE of interest for the 12-Month Open Deposit with a balance of €25,000 and interest settlement at the end of the term: (i) if all conditions are met, 2.25% APR and 2.25% annual NIR will be applied, and the gross interest would be €562.50; (ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €900, which must not come from another Openbank account, is not set up for at least 10 months, 1.25% APR and 1.25% annual NIR will be applied, and the gross interest would be €312.50; (iii) in both cases, if you fail to comply with the 12-month term and only hold the balance for 6 months, for example, 0.20% APR and 0.20% annual NIR will be applied, and the gross interest would be €25.00.
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.
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