6-Month Open Deposit at 2.78%1 APR and 2.76% annual NIR
With your salary or monthly income2 (min.€600).
Interest from 1st day and 1st euro (4)
- Earn interest at 1.77 % APR1 and 1.76% annual NIR over 6 months on the savings you bring to Openbank.
- Plus, if your salary, pension, unemployment benefit or recurring income of at least €6002 is paid into your account, the interest increases to 2.78% APR1 and 2.76% annual NIR.
For new funds
- If you're a customer, the money you pay into your deposit must increase the total balance you held at Openbank on 30 September 2024.
- If you're not a customer yet, you can deposit as much as you like.
- You can make a transfer from another bank, deposit cash, etc.
Your money is always available
- Close the fixed-term deposit whenever you want1, and earn lower interest.
- If you withdraw your savings before the end of the 6-month term, you'll earn 0.20% APR1 and annual NIR for as long as you held your balance.
See the Pre-contractual Information for the 6-Month Open Deposit.
The safe option for your savings
With the backing and solvency of the Santander Group
Want to learn more about the 6-Month Open Deposit?
What is the 6-Month Open Deposit?
How much interest do you receive?
Are there any costs?
How can you open the 6-Month Open Deposit?
What are "new funds"?
How is the increase in balance calculated?
How do I know when my balance has been increased?
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1 Representative example of interest for the 6-Month Open Deposit with a balance of €25,000:
(i) if all conditions are met, 2.78% APR and 2.76% annual NIR will be applied, and the gross interest would be €345;
(ii) if a direct deposit for your salary, pension, unemployment benefit or other type of monthly income of at least €600 is not set up for at least 4 months, 1.77% APR and 1.76% annual NIR will be applied, and the gross interest would be €220;
(iii) in both cases, if you fail to comply with the 6-month term and only hold the balance for 3 months, 0.20% APR and annual NIR will be applied, and the gross interest would be €12.50.
2 Salary, pension, unemployment benefit or other type of monthly income of at least €600 for at least 4 months.
3 For cash deposits, the maximum guaranteed amount by Spain's Deposit Guarantee Fund for Credit Institutions is €100,000 per depositor in each credit institution.
4 The interest will be paid into the Openbank current account or payroll account in the name of the holder at maturity (at the end of the fixed term).