OpenbankOpen Spaardeposito
Deposit · 3 months · Open Bank, S.A. · Spain · Directly at the bank
Current account required
- Rate
- 1.90%
- 3 months fixed
- EffectiveThe effective annual rate for €50,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 1.91%
- for €50,000
- Your return on €50,000
- €957
- per year, annualised · €238 total over 3 months
- Deposit guarantee
- €50,000 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 €50,000
Gross interest over 3 months: €238.
Interest built up over 3 months
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
€50,000 fully protected
Spanish scheme
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 ↗
details
Fondo de Garantía de Depósitos, € 100.000); FGD-register is niet machinaal leesbaar
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 18 Sep 2026.