Essential Daily Management with Openbank: Your Comprehensive Guide

In today's fast-paced world, managing your finances efficiently is crucial. Openbank offers a suite of features designed to simplify your daily financial tasks. From mobile payments to investment opportunities, here’s how you can leverage Openbank to enhance your financial management.

Streamlined Payments and Transactions

Openbank makes it easy to handle your payments and transactions with just a few taps on your mobile device. Here are some key features:

• Contactless Mobile Payments: Pay effortlessly at any establishment that accepts contactless payments. This feature allows you to make quick transactions without the need for cash or cards.
• Instant Money Transfers with Bizum: Send money instantly to friends and family using Bizum, making splitting bills or sending gifts easier than ever.
• Fingerprint Login: Securely access your account with just your fingerprint, ensuring your financial information is protected.
• Temporary Card Management: Control your card usage by turning it on or off based on location or purpose. For instance, you can restrict its use to specific countries or disable ATM withdrawals.
• Card Details at Your Fingertips: Easily check your card details, including your PIN and CVV, directly from the app.
• Scheduled National Transfers: Set up and execute national transfers while adding new regular beneficiaries with ease.
• Expense Tracking: Monitor your spending categorized by different types, giving you better control over your financial movements.
• Financial Aggregator: Link your other bank accounts to view all your finances in one place through the Openbank app.
• Payment Deferrals: Postpone payments for purchases and bills when necessary.
• Card Options: Choose from a variety of cards, including debit, credit, and premium options like Packs Premium and Diamond.
• Card Limit Adjustments: Modify your card limits to suit your spending habits.
• Prepaid Card Management: Load and unload funds on your prepaid cards as needed.
• Loan Applications: Request loans for unexpected expenses or personal needs directly through the app.
• Digital Bill Management: Manage your receipts and direct debits entirely online, ensuring a hassle-free experience.
• Personalized Avatar and Data Management: Customize your personal avatar and easily update your personal information and security credentials.

Openbank Wealth: Your Investment Space

Openbank Wealth provides a robust platform for managing your investments. Here’s what you can expect:

• Diverse Investment Options: Invest directly in over 2,000 indexed and actively managed investment funds starting from just €1, with no additional fees beyond the fund's own charges.
• Portfolio Builder Tool: Not sure which investment fund suits you? Use the “Build Your Portfolio” tool to explore five predefined portfolios made up of various funds.
• Automated Investment Service: Save time with the Roboadvisor service, which manages your investments automatically. Start investing with a minimum of €500.
• Transfer Existing Funds: Bring your existing funds to Openbank without incurring subscription, redemption, custody, or transfer fees.
• Comprehensive Asset Management: Transfer your pension plans, stocks, ETFs, and warrants to Openbank for streamlined management.
• Market Insights: Discover which stocks are being bought and sold by other investors to inform your investment decisions.
• Expert Investment Support: Access a team of certified investment specialists at 91 177 33 16, available Monday to Friday from 8 AM to 8 PM.

Enhanced Security Features

Your security is paramount at Openbank. Here are some features designed to keep your information safe:

• Password Manager: Store your passwords and sensitive information securely with this convenient service.
• Customizable Security Settings: Choose how you confirm transactions, whether through the website or the app, for added peace of mind.

Exclusive Promotions and Discounts

Openbank offers a variety of promotions and discounts to enhance your banking experience:

• Easy Promotion Enrollment: Sign up for all client promotions directly from your app in just two clicks.
• Open Discounts: Enjoy discounts when paying with your Openbank cards at major brands.
• Investment Promotions: Check current promotions available for your investment products and services within Openbank Wealth.

And Much More!

Your feedback is invaluable! Help us improve the app by sending your suggestions to app@openbank.es.

With Openbank, managing your finances has never been easier. Take advantage of these features to streamline your daily financial tasks and make informed investment decisions.