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Openbank Hipotecas

Openbank's Spanish mortgage division (Santander subsidiary) — digital mortgages with €200 bonuses for direct debits

MortgagesBeginnerAvailable in English
3.5/ 5
Visit Openbank Hipotecas

Free account

Part of Santander Group

HQ:Spain
Regulator:Bank of Spain
Protection:€100,000

Rating breakdown

Overall
3.5
Fees
3.5
Platform
4.0
Safety
4.5
Product range
3.0

Pros

  • Backed by Santander — 167 years of global banking experience
  • English interface available — good for expats in Spain
  • Generous sign-up bonuses (€200+) and 2.02% APR on savings

Cons

  • Spain-focused mortgage products
  • Digital-only — no physical branches
  • Some features behind login wall — hard to compare rates upfront

Platform & features

Available on

Web platform
Mobile app
Desktop app
API access

Key features

Fractional shares
Savings plan
Demo account
Copy trading

Availability

Languages

EnglishSpanish

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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer