Dinero y Banca
Banca
Openbank
I want to earn real interest on my savings with a Spanish bank account — without paying fees.
Openbank is Santander's standalone digital bank — free current account, Bizum included, with 2% APR on instant-access savings.
Por qué es genial
- ✓2.02% APR on instant-access savings with no cap on how much you put in
- ✓New customers who direct-deposit a salary get up to 3.04% for the first 4 months
- ✓Direct debits work reliably — useful for autónomo RETA payments and utility bills
- ✓None of Santander's fees — fully independent operation
Atención
- ✗Trustpilot reviews flag slow account openings and occasional app glitches
- ✗Confirm the standard savings rate at sign-up — the headline figure is a new-customer promotion
Costo: Free.