Openbank | Banca online

Openbank S.A.

About this app

An app for you. And for everything.
Everything you want from a bank in one fast, easy, and secure app. Pay, send money, save, and invest. Hassle-free and with people always there to help.

To make everyday life easier:
• €0 for your account and card (1)
• €0 for withdrawing cash at over 5,000 ATMs in Spain
• €0 for sending and receiving money with Bizum and national and international transfers in available currencies (2)
• And a 2.02% APR (3) and 2% annual nominal interest rate, with no limit on the amount, for bringing Bizum and your savings. See terms and conditions at openbank.es
• Personalize your home screen
• Set up direct debits with a photo

Keep everything under control
• Open the app and confirm transactions with your fingerprint or face
• Turn your cards on and off whenever you want
• Receive notifications for all your transactions, or only the ones you choose
• Activate discreet mode for added privacy

People answer your questions here
• 24/7 phone support, free of charge
• Chat, phone, email, or WhatsApp

Your cards, your rules
• Activate them instantly
• Check your PIN, CVV, and details in seconds
• Change your limit
• Pay faster by adding your card to Google Pay

Bizum, it's that easy
• Send and receive money and pay online quickly, conveniently, and securely
• Save your favorites

Your investments, at your fingertips
• Manage your portfolio and track its performance in real time. Invest in cryptocurrencies: Bitcoin, Ethereum, Solana, Polygon...
• Buy and sell stocks or choose from over 3,000 Investment Funds
• Schedule regular contributions
• Easily transfer your funds and pension plans
• Start investing with "Build Your Portfolio" or leave your money in the hands of specialists with "We Invest for You"

All this and more, always with you

More information: Cryptocurrencies are complex products and can be difficult to understand. Their prices are volatile, and you can lose all or part of your investment. These assets are not protected by regulated market mechanisms, which can lead to manipulation and liquidity risks. Furthermore, they are not covered by any guarantee fund, and the technology they are based on may present risks (cyber fraud) or operational failures. You can find detailed information on all the risks associated with trading cryptocurrencies here. If you request a refund of your cryptocurrencies, you can find an excerpt of the applicable refund procedure here.
The client should monitor their investment regularly. Investment decisions in cryptocurrencies should be based on up-to-date information and an understanding of their risks.

Please note that all investments carry risks, including the risk of no return, loss of invested capital, and/or exchange rate risk for products denominated in currencies other than euros.

Before investing, please consult the risk level and information for each of the Investment Funds and pension plans marketed by Open Bank, S.A., detailed in the Information Brochure or Key Investor Information Document (KIID) or the Key Participant Information Document (KIDD) for each Pension Plan, available at www.openbank.es and/or www.cnmv.es.

1 Open Current Account with no maintenance, administration, or cancellation fees and an Open Debit Card with no issuance or renewal fees for the primary account holder. Please consult the Current Account Fees Information Document and the Open Debit Card Pre-Issuance Information.

2. If the source and destination account currencies differ, the exchange rate available at www.openbank.es will apply. Currency exchange fees may apply.

3. Interest accrual for the first year. Monthly interest payments. REPRESENTATIVE EXAMPLE of interest, with a constant balance of €10,000 for one year at 2.02% APR and 2% annual nominal interest rate. Gross annual interest of €200.

Ratings and reviews

I tried calling, getting an automatic reply that it wasn't possible to connect the call...to the BANK! In the middle of the workday. I emailed instead, and they replied they would make a one-time exception to working with me on the issue via email/calling me themselves. I reminded them that I was emailing them because it had been impossible to call. They responded "sorry about the inconvenience" and that I could call back, now. The lack of professionalism is mind-boggling. Exceedingly poor

The new interface changed the way things are displayed and has a bug where the display order of your accounts are reversed. This means, that if you having savings accounts next to your main account, you now have to click way more and scroll through an entire list before reaching your main account, instead of a single click. I reported this bug through the support channel, but received an unprofessional response (mentioning a solution for the website, not the app) in poorly puncuated writing.

The app only worked in my wi-fi. When connected to 5g in Spain, or roaming it didn't work. I left a negative review and then OpenBank replied here with a code. I contacted support with that code, and in the same week the issue was fixed. Great customer service. The app itself is better than the one from CaixaBank, similar to the ones I used in Brazil 10 years ago or so. But NZ KiwiBank is a lot better. And while it worked fine in 5g, in Brazil it always failed in my hotel due to wifi type.