An online bank of Santander Group, available 24/7 and without fees for your everyday transactions.
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Supported accounts:
Personal
Openbank has a Trustpilot rating of 1.6 out of 5, based on 860 reviews.
Openbank has an Apple App Store rating of 4.2 out of 5, based on 58 reviews.
Openbank has a Google Play Store rating of 3.8 out of 5, based on 18,063 reviews.
A trusted, all-in-one rating that simplifies feedback from across the web.
Openbank is a mobile banking platform known for offering users a convenient and streamlined digital banking experience. As a branchless bank, it operates exclusively online, allowing customers to manage their finances directly from their smartphones or other mobile devices. Openbank often provides a range of financial services, including checking and savings accounts, personal loans, and investment options, all accessible through an intuitive user interface. Security features, such as multi-factor authentication and real-time notifications, are typically integrated to protect users' information and transactions. The mobile bank may also leverage artificial intelligence to provide personalized financial advice and support. With its focus on technology and user experience, Openbank aims to cater to tech-savvy individuals looking for a modern approach to managing their money.
Go to OpenbankDownload the Openbank app in the App Store or Google Play store.
Openbank has an App Store rating of 4.2 out of 5 (based on 58 reviews).
Openbank has a Google Play Store rating of 3.8 out of 5 (based on 18,063 reviews).
Explore what real users have to say about their experiences with Openbank. These 5-star reviews showcase the exceptional service and satisfaction provided by this neobank, giving you insight into why it's a top choice for customers worldwide.
The best banking app available for English speakers. Highly recommended!
12/02/2024
Overall, I had a very good experience opening an account! I recently opened an account here and was impressed with the customer service. As someone who works in the same industry, I can confidently say that their account opening process for German customers is excellent. After two days of waiting, I called to inquire about the verification status and found the customer service to be friendly and helpful, providing accurate and reasonable answers. It took a total of seven days from verification to accessing the Openbank app using fingerprint login. The cybersecurity rating is top-notch. I’m currently waiting for my card, but I can already transfer and receive money, and there are no monthly fees with the standard package—something that stands out compared to many other banks. I did encounter a couple of minor issues: the mobile app isn’t perfect, and I couldn’t easily find options to change withdrawal limits or a comprehensive price list. However, I received my card shortly after opening the account, and transactions and card payments work as expected. The card and all policy information arrived packaged professionally. Overall, this deserves a five-star rating without a doubt. Very happy so far!
20/01/2022
I've been a customer for 1.5 years and opened a current account and a savings account to apply for a mortgage with Openbank. The account opening process was somewhat complicated as I don't speak fluent Spanish and needed an English-speaking customer service agent. However, I was able to arrange a callback from an English-speaking agent, which required some patience since the callback times weren’t always accurate, and there were occasions when I didn’t receive a call as promised. Overall, the service worked fine. I do believe Openbank needs to be clearer on their ID verification process, as the instructions were not sufficient. When I applied for a mortgage, I was assigned an agent who was fantastic. My experience with the mortgage application was excellent due to her availability, efficiency, and helpfulness. My paperwork was sent online or by email without any issues (though my mortgage is not with Openbank ultimately). Additionally, I opened a 2.75% 12-month deposit savings account online in just minutes, which was incredibly easy. My automated deposits from a European account into this deposit account are happening seamlessly. I rated Openbank 5 stars because of my positive experience. I have now opened three accounts—a current account, a savings account, and a deposit account—as an English-speaking customer requiring extra support, and I applied for a mortgage with this bank. I have read other reviews, but I haven’t had any problems so far.
12/06/2023
Excellent customer service! I was pleasantly surprised, as I initially expected it to be poor. Everyone I've spoken to has been professional and friendly.
24/01/2022
I have had a wonderful experience with Openbank so far. Opening the account took less than a week, including verification. It's important to note that Spanish banking laws are much stricter than those in Northern Europe. My card has never been declined anywhere, and as one of the first Dutch customers, I received travel+ for free, allowing me to make payments in foreign currency without markup fees! I truly love this bank and have had great follow-ups from customer service when I reached out. Additionally, they assist Dutch customers in Dutch, which is fantastic!
04/08/2021
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Openbank is a mobile banking platform known for offering users a convenient and streamlined digital banking experience. As a branchless bank, it operates exclusively online, allowing customers to manage their finances directly from their smartphones or other mobile devices. Openbank often provides a range of financial services, including checking and savings accounts, personal loans, and investment options, all accessible through an intuitive user interface. Security features, such as multi-factor authentication and real-time notifications, are typically integrated to protect users' information and transactions. The mobile bank may also leverage artificial intelligence to provide personalized financial advice and support. With its focus on technology and user experience, Openbank aims to cater to tech-savvy individuals looking for a modern approach to managing their money.
Openbank is currently available for residents of the following countries:
Germany, Netherlands, Spain, PortugalNo matter where you are, at home or abroad, you can access your Openbank account via the app, check your account balance, control your savings, get customer support, make payments and even freeze your debit card if needed. In addition, get real-time notifications every time you make a transaction, so there won’t be any surprises at the end of the month. No need to make appointments, stand in line and lose working hours to manage your finances.
Opening an account with Openbank is simple, with no lengthy paperwork. Just download the app, prove your identity, top up your account and you’re ready to go. Openbank doesn’t require a copy of your credit history to approve your account, meaning you can open an account and get approved in minutes.
Another main reason to use Openbank is the low (or no!) fees. Openbank has no physical branches, therefore they can offer lower fees than traditional banks – especially when it comes to ATM withdrawals, money exchange/transfer and payments abroad. For example, Openbank offers zero fees on all transactions, including purchases made overseas!
Openbank = borderless banking. Low/no exchange rates and low/no ATM withdrawal fees worldwide make traveling a whole lot easier (and cheaper) than with traditional banks- especially in the eurozone. And for added safety, freeze or unfreeze your debit card while you travel, directly in the app.
One of the frustrating things about traditional banks is the amount of documents, contracts and letters that are sent to your mailbox. With Openbank everything you need is in the app and all communications are sent to your app or your email. Gone are the days of rummaging through piles of paper around your house – and protecting the environment is the cherry on top.
