Openbank Hipotecas
Openbank's Spanish mortgage division (Santander subsidiary) — digital mortgages with €200 bonuses for direct debits
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Rating breakdown
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
Key features
Availability
Languages
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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer