Openbank U.S.

Santander Bank, NA

About this app

Easily Manage Your Account
• Enroll in Mobile Banking through your app.
• View balances with just a few clicks.
• View deposit statements and account balances.
• Manage your contact details: edit, add, or delete contact information.
• Start the process for adding a joint owner to your account.
• Manage beneficiaries add or delete beneficiary information.

Stay Secure
• Sign in securely using your fingerprint or your face.
• Set up your Trusted Device by registering your smartphone in Mobile Banking.
• Retrieve your User ID and change or reset your Password securely from your mobile device using password reset.
• Verify your identity on certain transactions using One-Time Passcode (OTP) security.

Transfer Funds
• Move money between your Openbank accounts.
• Move money from your personal bank accounts at other financial institutions to your Openbank high-yield savings accounts.
• Make transfers to accounts at other banks within the U.S.
(Restrictions apply. Please refer to the Digital Banking Agreement for details).

Contact Us Anytime for Assistance
• Use one-touch calling to contact Customer Service.
• Get faster assistance by selecting Call Us when you’re signed in to Mobile Banking.

Get Started Today. It's Easy!
If you have a personal account with Openbank, download the Mobile Banking App today and bank when you want to.

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©2025 Santander Bank, N.A. All rights reserved. Openbank is a division of Santander Bank, N.A. Member FDIC

Ratings and reviews

Forced to create an account to apply and then rejected. How about approving people before making them create an account? I've been a customer of Santander (and its predecessors) for 40+ years and have excellent credit yet apparently wasn't good enough. 7-24-26 Update: I called the number as recommended and the rep said they can't see details of why an application is declined and couldn't help me. I'm sorry I wasted more of my time on this; it's clear they don't care.

Having trouble linking online account to other things. Like some other banks and money management apps. I'm also not a big fan of interest not hitting on day 1 of the month, vs your account set up day of the month. When interest rates, we're at some of the best %, I could overlook those things. Now going move my money due to the other issues discussed at the beginning of this review and them lowering their rates.

I've used OpenBank for 2 years with no problem. Super easy to set up account, transfer savings in and out, set up repeated automatic transfers, add beneficiaries. 4 family members are also banking here, no problems at all. App works great with Android and IOS. Highly recommend. Deposits aren't available for withdrawal for 4 days in accordance with banking laws (fraud prevention) so don't panic if funds show not available.

What’s new

Our latest release incorporates enhancements and bug fixes based on direct feedback from our customers, making it easier to apply for and manage an Openbank account.