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The risk indicator corresponds to all Openbank accounts and deposits. The liquidity alert applies only to deposits.
1/6
This number is indicative of the product's risk, with 1/6 indicating the lowest risk and 6/6 the highest risk.
Member Bank of Spain's Deposit Guarantee Fund for Credit Institutions. For cash deposits, the maximum guaranteed amount is €100,000 per depositor in each credit institution.
Liquidity Alert:
The redemption, withdrawal from the deposit, or early cancellation of all or part of the principal invested are subject to fees or penalties.

6-Month Open Deposit at 2.78%1 APR and 2.76% annual NIR

With your salary or monthly income2 (min.€600).

Open deposit
Interest
Interest
Earn 1.77 % APR1 and 1.76% annual NIR over a 6-month fixed term on the funds you bring over to Openbank with no need to set up any direct deposits. All you need to do is hold your savings for the full term.
Even more with your monthly income!
Even more with your monthly income!
Earn interest at 2.78% APR1 and 2.76% annual NIR when your salary, pension, unemployment benefit or recurring income of at least €600/month2 is paid directly into Openbank.
Access your money when you need it
Access your money when you need it
If you close the fixed-term deposit before the end of the term, you will earn interest at 0.20% APR1 and annual NIR for as long as you held your balance.
Peace of mind
Peace of mind
We have the security of Spain's Deposit Guarantee Fund for Credit Institutions3, as well as the backing and solvency of the Santander Group, one of the world's largest financial groups with over 160 years of experience.

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.

Open deposit
Grupo Santander

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?

Need more information?

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).