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- One of the main advantages of Openbank is the possibility of contracting products and services without opening or maintenance fees.
- The Openbank Payroll Account is one of the favorite products of its clients due to its interesting advantages.
- Openbank offers fixed rate, variable rate or mixed rate mortgages.
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In 1995 Openbank was born as a telematic banking oriented towards the individual client. Today, after 26 years, this entity has become the largest digital bank in Europe.
Among the main advantages that Openbank offers to its clients, its commission policy stands out. This entity offers the possibility of contracting competitive products and services without having to pay commissions opening or maintenance.
In addition, customers can contract the products through their own online banking, without having to go to the offices or having to adjust to customer service hours.
Among the different proposals of this entity, highlights its wide catalog of accounts and cards. Regardless of the customer’s day-to-day life, at Openbank you will find a card type that adapts to them and follows their rhythm.
If you want to know how are the products and services that have made Openbank a benchmark bank, do not miss this article.
Openbank accounts
Depending on their objective, private clients will be able to choose between different modalities of Openbank account.
For example, those clients who are looking for a simple account with which to manage their income and expenses, may choose a Openbank Checking Account. This account is exempt from commissions and income requirements. In addition, its holders will be able to request a debit card totally free.
On the other hand, those who intend to direct their payroll, will have at their disposal the Openbank Payroll Account. It is a very interesting account because offers the following advantages:
- No opening or maintenance fee.
- Possibility of requesting payroll advances.
- 1% discount on direct debit bills.
- Free credit and debit card.
- Discounts in shops such as gas stations or restaurants.
Likewise, those people who have a savings objective will have at their disposal the Openbank Savings Accounts. Within this category you will find several modalities from which you must choose the one that best suits your specific situation.
With Savings Accounts, customers can make your income profitable but always having the possibility of recovering your money.
Tarjetas Open Bank
In the category of Tarjetas de Openbank We can find several types of debit, credit and prepaid cards. In addition, this entity has some complementary services for cards such as Card Control or Mobile Payment.
Specifically, these are all the cards that we can find at Openbank:
- Open Debit Debit Card
- Open Credit Credit Card
- Premium Debit and Credit Pack
- Diamond Credit and Debit Pack
- Visa Diamond Infinite Credit
- Solidarity Debit Card
- Virtual Debit Card Debit
- Virtual Credit Credit Card
- Open Young Prepaid Card
- ECommerce Prepaid Card
- VIA-T card
- Tarjeta Open Credit R42
Hipotecas de Openbank
Finding a house that meets all your needs is not an easy task. However, hiring a hipoteca de Openbank with which to finance your purchase is much easier.
Customers of this bank will be able to choose between fixed rate, variable rate or mixed rate mortgages. All of them are exempt from commissions and appraisal expenses. In addition, the interests to be paid are quite low and there is the possibility of obtaining bonuses when contracting other products of the entity.
If the property to be financed is a habitual residence, clients will be able to request up to 80% of the home’s appraisal value. This amount can be returned within a maximum period of 30 years.
On the contrary, if it is a second residence, they will not be able to request more than 70% of the financing and they will have to repay the mortgage in a maximum of 25 years.
Through the tools available in the Banca Online the Open Bank, the interested parties may calculate the costs and interests of your possible mortgage.
Openbank investment and savings products
Apart from Savings Accounts, we can find a wide range of solutions for investment and savings in Openbank. Specifically, the clients of this entity can contract:
- Deposits– A commission-free savings product that clients can trust with their capital to achieve fixed-term returns.
- Automated Investment Service: allows clients to leave the management of their investments in the hands of Openbank experts.
- Investment by objectives: with the strategies that best suit the client.
- Investment funds: more than 2,000 funds to invest in from € 1. All without additional commissions.
- Actions: possibility of buying shares in the main national and international stock exchanges.
- ETFs– A wide variety of exchange-traded funds with which to invest in different types of assets.
- Warrants: possibility of accessing all warrants listed on the Spanish stock market.
Pension plans: more than 35 plans from 5 different management companies with different returns and risks.
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