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 Fee-free and on the spot on the website and app

Free issuance and renewal!1

Secure online and in-store purchases

3D Secure Code System. Free payment confirmation alerts by SMS.

Flexible repayment options

Choose how you want to settle your charges: lump sum payment 0% APR1, or fixed or variable instalments, 18% annual NIR, 19.56% APR2.

Finance payments and purchases in just 2 clicks

Zero-interest financing (0% APR)2 over 1 month for your purchases and payments of at least €30. Or, if you prefer, you can pay in instalments, over 2 to 36 months (annual NIR: 14.00%; APR: 14.93%)3.

Virtual & instant
 

• Available on your mobile as soon as you apply for it! Start to use your card right away5.

• Fast and secure! Online shopping and in-store payment with contactless technology. Just hold your card close to the terminal for payments under €50. 

Free Visa Card
 

• Free! Card issuance and renewal are completely free1.

• And lots more! Benefits without fees: Open Discounts, accident insurance, SMS alerts, 3D Secure Code System, etc.

• You can finance purchases and payments over 1 month interest-free. The option to settle payments and/or purchases at a later date is subject to interests. See terms and conditions below.

Security and peace of mind from day one

• Secure online shopping! Your purchases with a secret PIN and secure e-commerce systems.

• Stay up to speed! Activate the service so that every time you make a purchase with the card, you receive a free payment confirmation alert by SMS/push.

• Always secure! As the cardholder, you have accident coverage for public transport and when out and about on your day to day (insured by Santander Seguros y Reaseguros, Compañía Aseguradora, S.A.)6.

 

See Pre-Contractual Information for the Virtual Credit Card

Apply for your card

Open an account in just three steps, no matter where you are

1

Fill out your details

To open an account, we need to know a few things about you. Fill out the online form and choose your passcode. Have your DNI or NIE at hand.

2

Verify your identity

From the comfort of your own home. By video identification or using the number of your account at another bank.

3

Sign electronically

We will send you an SMS text with a security code to access your contract so that you can sign it online.

Open account

1 Representative example for €1,500 drawn and lump sum payment at the end of the month: 0% NIR; 0% APR; Total amount of credit: €1,500. Total amount due: €1,500. Total cost of credit: €0. Card issuance fee: €0.

2 Representative example for €1,500 drawn on 1st of the month, with financed payment option (revolving), and 48 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 18.00% NIR; 19.56% APR; 47 instalments of €44.06 and a final instalment of €44.25. Total amount of credit: €1,500. Total amount owed: €2,115.07. Total cost of credit: €615.07. The calculation includes the card issuance fee: €0. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French Repayment System. Therefore, for this specific example, the cash purchase price would be €1,500 and the total amount to be repaid in instalments would be €2,115.07. Please note that the monthly instalments are first and foremost used to pay off the agreed interests and charges and, secondly, to repay the amount borrowed; therefore, choosing reduced instalments may only cover repayment of the residual interest proportion of the credit.

3 Representative example for a purchase of €200 financed over 1 month: 0% annual NIR, 0% APR. Lump-sum payment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interest: €0. French amortisation schedule.

4 Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortization schedule. Therefore, for this specific example, the cash purchase price would be €200 and the total amount to be repaid in instalments would be €204.68.

5 Card issuance subject to approval by Openbank.

6 See terms and conditions of the policy.

Want to learn more about the Virtual Credit Card?

How much does the Virtual Credit Card cost?

What are the fees?

Can you finance card purchases?

Can you finance other transactions or payments that you haven't made with the Virtual Credit Card?

What are the advantages?

Does it include any insurance?

How can you get your Virtual Credit Card?

What is Open Discounts?

Where can you check the fees and interest rates for this card?

Need more information?

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