OpenbankOpen Spaarrekening
Instant access · Open Bank, S.A. · Spain · Directly at the bank
Current account required
- Rate
- 1.80%
- variable
- 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. Above €300,000 you earn no interest. Interest is compounded during the term and earns interest on interest.
- 1.81%
- for €50,000
- Your return on €50,000
- €907
- interest per year
- 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 1 year: €907.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.80% |
- Interest-bearing up to
- €300,000
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- none
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- yes
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Rente over het saldo t/m € 300.000; daarboven 0,00%
- Rente wordt maandelijks uitgekeerd
- Gekoppeld aan een gratis Open Betaalrekening
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
1.80% 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 Spaarrekening 1.80%
Rate checked on 18 Sep 2026.