{
  "id": 12994828,
  "title": "The new Openbank debuts in Germany with a 4% offer",
  "url": "https://urgent.news/2026/10/08/el-nuevo-openbank-debuta-en-alemania-con-una-oferta-al-4",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-08T22:45:00.000Z",
  "source": {
    "name": "Expansion ES",
    "slug": "expansion-es",
    "url": "https://www.expansion.com/empresas/banca/2026/10/09/6ac78a12e5fdea921c8b4579.html"
  },
  "original_language": "es",
  "account": "A new Openbank has launched in Germany with a 4% interest rate, matching the offer made by Chase when it entered the market in May. The digital bank, now operating under the name Openbank by Santander, has replaced the Santander brand across all customer touchpoints in the country. This includes the 119 physical offices in Germany, where the bank has 3.1 million clients and 3,800 employees.\n\nThe bank has introduced a welcome campaign, offering new customers a 4% interest rate on savings up to €100,000 for four months. After this period, the interest rate drops to 2%. The official lending rate currently stands at 2.5% in the Eurozone.\n\nThis move puts Openbank on par with Chase's German entry, which also offered a 4% interest rate on its digital account. The bank is also offering a 2% interest rate after four months, though this rate is applied to a higher savings threshold of €500,000. Chase's rate, meanwhile, applies to savings of €500,000 and above.\n\nOpenbank's 4% interest rate outperforms BBVA's current offer, which has gradually increased from 3.5% to 3.75% over the past year, capped at €200,000 in deposits with an additional 2.5% interest. The bank also offers loans that can be obtained in six minutes, with amounts ranging from €5,000 to €200,000, depending on the customer's profile.",
  "summary": "Iguala la remuneración que paga Chase y supera el 3,75% de BBVA. La marca 'Santander' desaparece en Alemania, donde el banco tiene 3,1 millones de clientes. Leer",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}