Openbank — Spanish digital-only bank operated by Banco Santander, supervised by Banco de Espana, with a multi-country footprint.
- HQ
- Madrid
- Customers
- 2M+ customers across Spain, Germany, Netherlands and Portugal
- Connection
- PSD2 (read-only)
Current accounts and salary inflows
Your Openbank current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.
Savings, deposits and pots
Easy-access savings, fixed-term deposits and goal-based pots offered by Openbank are read alongside the current account so the full balance is never split.
Cards and recurring spend
Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.
Standing orders and direct debits
Mortgage payments, rent, utilities and SEPA direct debits hitting your Openbank account are detected so non-discretionary outflows are clear month-on-month.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Read by Bank AIEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Read by Bank AIJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Not yet supportedWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Read by Bank AIMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- Mercadona
- Carrefour
- El Corte Ingles
- Renfe
- Repsol
- Amazon
- Apple
- Booking.com
Detected subscriptions
- Netflix
- Spotify
- Movistar+
- Disney+
- Movistar
- Orange Espana
- How much sits across my Openbank cuenta corriente, Cuenta de Ahorro and any brokerage holdings?
- Compare my Openbank card spend at Mercadona and El Corte Ingles with last quarter.
- List every recurring Movistar, Orange and Movistar+ payment on my Openbank account.
- What's the next direct debit due on my Openbank account?
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🇪🇸 Spain
Spain has one of the most-consolidated banking sectors in Europe after a decade of mergers - five groups (Santander, BBVA, CaixaBank, Sabadell, Bankinter) hold the vast majority of retail deposits.
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Does Bank AI move money on my Openbank account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Openbank. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Openbank app.
How does Bank AI connect to Openbank?
Openbank exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.
Is Openbank the same as Santander?
Openbank is Banco Santander's digital-only brand. Bank AI reads each one as its own connection so an Openbank account and a Banco Santander branch relationship stay distinct.
Does Bank AI surface my Openbank Cuenta de Ahorro and Plan de Pensiones?
Yes. The Cuenta de Ahorro savings account and any exposed pension-plan positions are read as distinct sub-balances under your Openbank connection.
What about my Openbank brokerage positions?
Where Openbank exposes brokerage holdings via PSD2, equity, ETF and bond positions are read alongside the cuenta corriente.
What happens if Openbank raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Openbank-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.
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