Openbank Credit Card

Openbank credit cards combine modern digital banking with classic Spanish reliability — and are now fully available in Germany. As a branch of Santander Group, Openbank offers prepaid and revolving credit cards that come with no annual fees, instant virtual issuance, and wide Mastercard acceptance. The bank is fully digital, and the application process is seamless for residents in Germany. But with several options and plan tiers, is Openbank the right fit for your wallet? Let’s dive in.

Openbank Credit Card Overview

Openbank offers two main credit card options for users in Germany: a prepaid Mastercard and a revolving credit card. Both cards are managed entirely online via the Openbank app and are issued under the secure umbrella of Santander Group. These cards are ideal for users who want no annual fees, smart budgeting tools, and European-wide acceptance — all without unnecessary paperwork.

Key Features of Openbank Credit Cards

• Free virtual and physical cards
• Issued by Santander-owned Openbank
• No annual or setup fees
• Prepaid and credit models available
• Apple Pay & Google Pay compatible
• Real-time app controls for card security
• Foreign transaction fees: 0–2% depending on plan
• Multilingual support in German, English, and Spanish

How to Apply for an Openbank Credit Card

Applying for an Openbank credit card in Germany is entirely online and can be done through their mobile app or website. Openbank accepts residents with valid German addresses and EU identification. The application process differs slightly depending on whether you want the prepaid or revolving version.

Steps to Apply for an Openbank Credit Card

1. Visit openbank.de and register for an account
2. Verify your identity digitally
3. Choose your card type (prepaid or credit)
4. Wait for approval (instant or within 1–2 days)
5. Activate your virtual card in the app
6. Request physical card (optional)

1. Visit openbank.de and register

Start by opening a free current account. A credit card can only be issued if you’re a full account holder.

2. Verify your identity

Use video verification or upload documents via the app. A German address and valid EU ID or passport are required.

3. Choose card type

Select the prepaid card if you want better spending control, or choose the credit card option for revolving credit.

4. Approval

The prepaid card is issued instantly. The credit card version may require a short internal check.

5. Activate and use

The virtual card becomes active immediately after approval and can be linked to Apple Pay or Google Pay.

6. Physical card

A physical card is optional and delivered within 5–7 days if requested.

Openbank Debit Cards – Travel and Feature Comparison

Openbank offers three debit card options in Germany, all built on the Mastercard network. The standard Open Debit Plus card is free and includes key banking features like ATM access and mobile payments. By upgrading to the Travel+ add-on or the premium Metal Card, you unlock extensive travel benefits, insurance coverage, and free global ATM withdrawals — all managed through the Openbank app.

Openbank Credit Cards – Feature Comparison

Feature	Open Debit Plus	Open Debit Plus + Travel+	Metal Card
Travel+ Benefits	❌	✅	✅
Free Santander ATM withdrawals	✅	✅	✅
Free Eurozone ATM withdrawals	5 per month	5 per month	5 per month
Free worldwide ATM withdrawals	❌	5 per month	5 per month
Currency exchange rate	Mastercard rate	Mastercard rate	Mastercard rate
Travel insurance	❌	✅	✅
Accident insurance	❌	✅	✅
Charity/donation feature	✅	✅	✅
Foreign currency payment fee	1.5%	Free (uses FX rate only)	Free (uses FX rate only)
Concierge service 24/7	❌	❌	✅
Mobile payments (Apple Pay, Google Pay)	✅	✅	✅
Card control in the app	✅	✅	✅
Insurance coverage limit	–	Up to €100,000	Up to €500,000

Pros and Cons of Openbank Cards

Openbank’s card lineup is designed for digital-first users who want a no-fee setup with optional travel perks. But while the basic version is ideal for everyday use, the full benefits only come with paid upgrades.

Pros

• No annual fee on Open Debit Plus
• Virtual and physical Mastercard included
• 5 free ATM withdrawals/month in the Eurozone
• Optional Travel+ with insurance and global ATM access
• Metal Card includes premium travel perks
• 0% FX fees with Travel+ and Metal
• Card control and spending limits via app
• Apple Pay & Google Pay supported
• Backed by Santander Group for added trust

Cons

• 1.5% FX fee on standard Plus card
• No credit or overdraft option (debit only)
• Worldwide ATM withdrawals only with Travel+/Metal
• Concierge service exclusive to Metal tier
• Travel+ costs extra and must be manually added