Openbank Referral Program: Get Up to €70 Each in Spain (2026)

An eligible Openbank customer gets a personal referral code from the app or Customer Area. The friend must enter that code while opening the Open Current Account by September 30, 2026. After the friend makes three qualifying purchases with the new Open Debit Card, Openbank pays €50 net to each side.

1. 1

   Get the personal code

   In the Openbank app, open Refer a friend from the home screen or side menu. On the web, use Customer Area → Your profile → Refer a friend.

2. 2

   Enter the code during account opening

   The invited person must use the referral code while opening the account. It cannot be added later to stack this offer with another new-customer promo.

3. 3

   Make three card purchases

   The new customer must make three purchases with the Open Debit Card. Openbank says there is no minimum purchase amount.

4. 4

   Complete the optional Bizum milestone

   To earn the extra €20 each, the new customer activates Bizum within 30 days and both parties satisfy the two-month Bizum condition.

Openbank describes these amounts as net. It applies the corresponding withholding before crediting the incentive; the bank also notes that the incentive must be declared for Spanish tax purposes.

The invited person must be a qualifying new Openbank customer and the main holder of the new account. A former customer can participate only if they were not an Openbank customer during the 12 months before the promotion started.

• The friend must open the account with the referral code by September 30, 2026, inclusive.
• Both referrer and referred customer must be main holders of their respective accounts for the €50 reward.
• The extra Bizum reward does not apply if either person benefited from another Openbank Bizum promotion in the previous 12 months.

Openbank requires three payments with the new Open Debit Card. The current page says any purchase amount counts, but Bizum payments and Bizum transfers do not count toward the three-card-payment requirement.

Openbank says rewards are credited between the 15th and 20th of the month after the relevant requirement is met. The €50 follows the qualifying account opening and three card payments; the extra €20 follows completion of the Bizum holding period.

No. Openbank's current rules say the code is personal and single-use and classify public or mass distribution as improper use. The examples explicitly include forums, social media, comparison sites, websites and coupon platforms.

No. Openbank explicitly says a customer who opens through a friend's referral code cannot later add another new-customer promotional code such as OPEN275. Choose the promotion you want before opening the account.

For someone already planning to open an Openbank account in Spain, the current offer is simple: three card purchases unlock the main €50 net reward for both sides, and Bizum can add €20 more each. The main caveats are the September 30 deadline, the 10-friend cap, the non-combinability with other welcome offers and Openbank's strict restriction on public code sharing.