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 moneyMyInvestor3.50% TAE for 12 months on EUR 1,000 to EUR 25,000 with the Premium plan (EUR 7.99 a month)
GoalDepositDeposit
ProductDepósito Open 6 mesesDepósito Premium 12 meses
RewardRate3.25% TAERate3.5% TAE
Net value, first year€131.63€187.62Best
Value per month€21.94Best€15.64
Commitment6 monthsBest12 months
Rate (TAE)3.25%3.5%Best
Rate period6 months12 months
Balance capn/a€25,000
Monthly fee€0Best€7.99
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%
  • MyInvestor Premium plan at EUR 7.99 a month (cancel any time)
  • Minimum EUR 1,000, maximum EUR 25,000
PenaltyLeaving before 6 months pays only 0.20% TAE (EUR 12.50 gross on EUR 25,000 held 3 months)Cancelling early returns the capital but no interest
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: Cancelling early returns the capital but no interest
Valid untilNo end date31 Oct 2026
Verified
SourceSourcefor Openbank (opens in a new tab)Sourcefor MyInvestor (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile