Term deposits

Openbank: 3.25% TAE for 6 months with payroll or EUR 900+ monthly income, 2.75% TAE without, no cap on new money

Depósito Open 6 meses

Net value, first year

€131.63

#13 of 15 in this goal

Value per month of commitment

€21.94

Commitment: 6 months

Reward

Rate3.25% TAE

6 mo

Terms

Reward
3.25% TAE (3.22% TIN) with payroll or a monthly income of EUR 900+; 2.75% TAE (2.73% TIN) without. Example on the page: EUR 25,000 pays EUR 402.50 gross (3.25%) or EUR 341.25 gross (2.75%). Paid: At maturity.
Rate
3.25% TAE for 6 months
Requirements
  • Income of €900/month or more
  • 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%
Fees
€0/month
Penalty
Leaving before 6 months pays only 0.20% TAE (EUR 12.50 gross on EUR 25,000 held 3 months)
Eligibility
  • Residents only: Unknown
  • NIE or TIE accepted: Unknown
  • Open to non-residents: Unknown
Valid until
No end date stated
Checked
(today, confirmed by the bank)
Notes
The page states no end date for this deposit rate, but it depends on the new-money reference date of 2026-09-30. Rates also shown on https://www.openbank.es/cuenta-ahorro.

How the value is built

Score breakdown for the default profile
LineEUR
Interest 3.25% TAE on EUR 10000 for 6 months€162.50
Withholding 19% on interest-€30.87
Net value, first year€131.63

Default profile: gifts at 80% of retail, a balance of €10,000. Change them in the search filters. Methodology

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

Compare with

Not financial advice. Terms change: read the bank's page before you sign.