Side by side

Default profile: gifts at 80% of retail. The best value in each numeric row has a green outline. How we rank

Side-by-side comparison of 2 offers
FieldOpenbank3.25% TAE for 6 months with payroll or EUR 900+ monthly income, 2.75% TAE without, no cap on new moneyCajamar2.02% TAE for 12 months from EUR 1,000 to EUR 100,000, bookable in the app or web banking
GoalDepositDeposit
ProductDepósito Open 6 mesesDepósito Online 12 meses
RewardRate3.25% TAERate2.02% TAE
Net value, first year€131.63€163.62Best
Value per month€21.94Best€13.64
Commitment6 monthsBest12 months
Rate (TAE)3.25%Best2.02%
Rate period6 months12 months
Balance capn/a€100,000
Monthly fee€0€0
Minimum income€900/monthUnknown
New customers onlyNoNo
Other requirements
  • From EUR 1, no maximum amount
  • Rate applies only to money brought from outside Openbank that raises the total balance as of 2026-09-30
  • Keep payroll or a monthly income for at least 4 months within the deposit term to get 3.25%
  • Minimum EUR 1,000, maximum EUR 100,000
  • Booked through web banking or the Grupo Cajamar app, so you must be a customer
PenaltyLeaving before 6 months pays only 0.20% TAE (EUR 12.50 gross on EUR 25,000 held 3 months)Early cancellation fee of 0.50%
Residents onlyUnknownUnknown
NIE or TIE acceptedUnknownUnknown
Open to non-residentsUnknownUnknown
Catches
  • penalty: Leaving before 6 months pays only 0.20% TAE (EUR 12.50 gross on EUR 25,000 held 3 months)
  • needs income of at least EUR 900 a month
  • penalty: Early cancellation fee of 0.50%
Valid untilNo end dateNo end date
Verified
SourceSourcefor Openbank (opens in a new tab)Sourcefor Cajamar (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile