Getting a banking card should be simple, and Openbank makes the process easy. This article explains how to request an Openbank card, covering requirements, steps, and key details.
Before applying, you’ll learn about eligibility, interest rates, and fees. Follow this guide to complete your application smoothly.
How Openbank Cards Work and Their Features?
Openbank is a digital bank that provides financial services online. It offers banking solutions without the need for physical branches.
Customers can access accounts, manage transactions, and apply for cards using their website or mobile app. Their cards allow payments, withdrawals, and additional features based on the type.
They focus on flexibility and digital convenience. Different card types cater to everyday spending, online purchases, and toll payments.
Understanding Openbank and Its Offerings
Openbank operates entirely online, offering banking solutions without traditional branches. It provides cards for specific financial needs, including credit, digital, and toll-based options.
How Openbank Works as a Digital Bank?
This bank allows users to manage accounts fully online. Customers can sign up, request cards, and handle transactions through their website or app.
Since it’s digital, customer service is available remotely. Transactions and card management are accessible anytime.
No physical bank visits are needed for most services. The focus is on convenience and flexible banking options.
Types of Cards Available
There are different card options, each serving a specific need. Below are the main types:
- Open Credit Card – A credit card for daily purchases and travel expenses. It allows users to pay in installments and offers travel benefits.
- Virtual Credit Card – A 100% digital card with no physical version. It ensures secure online payments with added flexibility.
- VIA-T – A card designed for toll payments and parking. It helps users avoid long waits at toll booths and is valid in Spain and other countries.
Who Can Apply for an Openbank Card?
To apply, you need to meet basic banking requirements. The bank has specific conditions to approve your request.
Necessary Conditions to Apply
Applicants must meet certain criteria before submitting an application. Below are the main conditions:
- Must have a valid bank account with Openbank to ensure transactions can be processed and linked to the applicant’s financial profile.
- Must be a legal resident in an eligible country to comply with banking regulations and confirm the applicant’s eligibility for financial services.
- A stable source of income may be required for credit cards to assess the applicant’s ability to repay balances and manage credit responsibly.
- Must provide accurate personal and financial information to complete the application process and meet identity verification requirements.
Required Documentation and Age Restrictions
You need to submit specific documents to complete your application. These help verify your identity and eligibility.
- A valid ID or passport is required to confirm your identity and match your application details.
- Proof of residency, such as a recent utility bill or rental agreement, is needed to verify your current address.
- Income proof, like a payslip or tax statement, may be necessary for credit card applications to assess financial stability.
- Applicants must be at least 18 years old or meet the minimum age requirement set by the bank for specific card types.
How to Request an Openbank Card?
The application is done online. Follow these clear steps to request your card.
- Step 1: Go to the bank’s official website or open the app.
- Step 2: Find the section for banking cards.
- Step 3: Choose the card that fits your needs.
- Step 4: Fill out the form with your personal and financial details.
- Step 5: Upload the required documents for verification.
- Step 6: Read and accept the terms and conditions before submitting.
After you submit it, the bank will review your request. If approved, you’ll receive instructions on how to start using your card.
Simple Guide to Opening an Openbank Account
Opening an account is a quick process done online. Follow these three simple steps to get started:
- Fill out your details – Complete the online form, set your passcode, and have your DNI or NIE ready.
- Verify your identity – Use video identification or link an existing bank account.
- Sign electronically – Enter the security code sent via SMS to confirm and sign your contract.
How do Interest Rates Work?
Interest rates depend on the type of card and how payments are made. Some cards offer 0% APR when balances are paid in full at the end of the month.
Others have interest charges for financed payments. Borrowing €1,500 with a lump-sum repayment results in no extra cost.
Choosing fixed or variable installments changes the total repayment amount. Checking the terms helps avoid unexpected charges.
Other Fees and Charges
Understanding fees is important when choosing a card. The card issuance fee is €0, and there are no annual fees for basic use.
Transaction costs depend on where and how the card is used, especially for international payments. Financing purchases over €30 may result in interest charges.
Toll and virtual cards follow different fee structures. Reading the conditions ensures there are no surprises.
Benefits of Having an Openbank Card
Each card offers different benefits based on usage. Some have low fees and flexible repayment options. Digital cards provide better security for online shopping.
Physical cards are useful for daily expenses and travel. Toll cards help drivers avoid long waits. Choosing the right card makes payments easier and more convenient.
Customer Service and Support
For help, contact customer support through email or WhatsApp. Reach them at [email protected] or +34 607 365 366.
Support is available Monday to Sunday, from 8:00 a.m. to 10:00 p.m.. Assistance is provided for account setup, card applications, and other banking issues.
Summary of How to Request an Openbank Card
Requesting an Openbank Card is a simple process done online. The bank offers different cards for payments, online shopping, and toll services.
Interest rates, fees, and repayment options depend on the type of card chosen. Customer support is available to assist with applications and account management.
Disclaimer: Information about rates, fees, and terms may change. Always check the latest details directly with the bank.