OpenbankOpen Spaardeposito
- Rate
- 1.90%
- 3 months fixed
- EffectiveThe effective annual rate for €10,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 1.91%
- for €10,000
- Your return on €10,000
- €191
- per year, annualised · €48 total over 3 months
- Deposit guarantee
- €10,000 fully protectedSpanish scheme
Open Bank, S.A. · Fondo de Garantía de Depósitos de Entidades de Crédito (FGD) · €100,000 per person per bank
Your calculation for €10,000
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.90% |
- Interest payout
- end of term, paid out
- Fees
- none
- Access
- 3 months fixed · early withdrawal with loss of interest
- Term
- 3 months
- Minimum deposit
- €1
- Maximum deposit
- not stated
- Current account required
- yes
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Vroegtijdig opzeggen kan altijd kosteloos; je ontvangt dan 0.20% nominale jaarrente over de aangehouden periode
- Rente wordt aan het einde van de looptijd op de Open Betaalrekening gestort
Deposit guarantee
Open Bank, S.A. · Fondo de Garantía de Depósitos de Entidades de Crédito (FGD) · €100,000 per person per bank
How is my money protected?
Open Bank, S.A. (Openbank, Santander Consumer Bank) share one banking licence: balances at these brands count together for the guarantee.
Other brands on the same licence: Santander Consumer Bank.
Licence and verification
- Institution
- Open Bank, S.A.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Fondo de Garantía de Depósitos de Entidades de Crédito (FGD) (Spain)
- Guarantee
- €100,000 per person per institution
- Verification
- Wettelijke DGS-informatie van Open Bank, S.A.source ↗ · 15 Sep 2026
details
Fondo de Garantía de Depósitos, € 100.000); FGD-register is niet machinaal leesbaar
Taxes
- Country
- Spain
- Withholding tax
- Reducible to 0%
- Standard rate
- 19.00%
- For a Dutch saver
- 0.00% (after paperwork)
- Notes
- Spain withholds by default 19% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Withholding tax on foreign savings interest: what do you really keep?
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
1.90% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of Openbank →All savings products of Openbank →
- 2 Sep 2026New: Openbank – Open Spaardeposito (3 mo) 1.90%
Rate checked on 2 Nov 2026.