Deposit in Open Bank, S.A., 2.78% for 12 months

• Rated 1/6 for risk, reflecting the lowest risk level.

• 3.07% APR and 3.05% annual NIR for customers depositing a salary or recurring income of at least €600/month.

• Other customers receive 2.01% APR and 2.00% annual NIR over a 6-month fixed term on new funds.

• Funds available for withdrawal anytime, with 0.20% APR applied for early closure.

• Liquidity alert: Early redemption or partial withdrawal of the principal may result in penalties or reduced interest.

• Protected by Spain's Deposit Guarantee Fund, covering up to €100,000 per depositor.

• No fees for account opening, maintenance, or closure.

• Check the bank’s website for full terms and conditions.