{
  "id": 1915675,
  "title": "Openbank sube al 2,75% la remuneración de su cuenta",
  "url": "https://urgent.news/2026/08/19/openbank-sube-al-2-75-la-remuneracion-de-su-cuenta",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-19T10:27:19.000Z",
  "source": {
    "name": "Expansion ES",
    "slug": "expansion-es",
    "url": "https://www.expansion.com/ahorro/2026/08/19/6a8581c8468aeb657e8b457a.html"
  },
  "original_language": "es",
  "account": "Openbank, the digital bank under Santander's umbrella, has increased its savings account interest rate from 2.5% to 2.75% AER (annual equivalent rate). This adjustment makes Openbank's account the most competitive among Spanish financial institutions, surpassing the 2.5% rate offered by Bankinter and the neobank MyInvestor. The account has no maximum limit on the savable balance and is available to new customers who join the bank and use Bizum for their daily transactions. In addition to the rate hike, Openbank is offering up to 200 euros as an incentive for customers who make at least two different payments and keep the funds in their account for ten months. This incentive remains in place until September 30th.\n\nFollowing the European Central Bank's (ECB) decision to raise interest rates to 2.25% in June and potentially increase them by another 25 basis points at their September meeting, the savings account market has undergone significant restructuring with Spanish households as the main beneficiaries. Several Spanish banks and major international neobanks have intensified their competition, leading to a substantial increase in interest rates to attract new deposits. Trade Republic, a German-based neobroker, currently offers the most attractive rate of 3.04% to new clients, followed by Openbank's 2.75% AER.\n\nFor existing customers who joined Openbank before the ECB's rate hike, the interest rate has been adjusted to 2.27% AER. The Spanish banks' response to the rate increase has been robust. Sabadell has revitalized its Digital Account, maintaining a 2% AER rate but increasing the maximum savable balance from 50,000 to 100,000 euros. Bankinter has also kept its digital account interest rate at 2.5% AER for a maximum balance of 100,000 euros, while adding an incentive of up to 600 euros for new customers who make a monthly payment of at least 850 euros and keep the funds in the account for 12 months. MyInvestor has raised its interest rate from 1% to 2.5% AER for new clients who sign up between July 1st and August 31st, with a maximum savable balance of 70,000 euros.",
  "summary": "La oferta está dirigida a nuevos 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."
}