Openbank Credit Card

Openbank offers a range of credit and debit cards designed for different types of users in the Netherlands. From free digital cards for online purchases to premium options with travel insurance and lifestyle perks, their cards come with clear pricing and defined features. We break down the different Openbank cards, their costs, and who they may be best suited for.

How to Apply for an Openbank Card in the Netherlands

Applying for an Openbank card is a fully digital process and can be done entirely online through the Openbank website or mobile app. The application typically takes only a few minutes and is open to most residents in the Netherlands who meet basic requirements.

1. Open a current account
2. Verify your identity online
3. Choose your card type
4. Complete your application and activate the card

1. Open a Current Account

All Openbank cards are linked to a current account, which you must open first. This includes providing basic personal details such as name, address, nationality, and tax identification number. There is no monthly fee for maintaining the account.

2. Verify Your Identity Online

Openbank uses video identification or document upload to verify who you are. You’ll need a valid passport or EU/EEA ID card and a smartphone or computer with a camera. Verification is usually completed within a few hours.

3. Choose Your Card Type

Once your account is open, you can select from the Я42 Betaalpas, Я42 Metal Card, or the e‑Commerce Card. If you select the Metal Card or want to add Travel+ to your Betaalpas, you’ll need to confirm your subscription during this step.

4. Activate Your Card

For physical cards, delivery usually takes a few business days. You’ll receive instructions in the app to activate your card securely. The e‑Commerce Card is issued instantly and can be used online right away.

Openbank’s streamlined application process makes it easy to get started, especially for users comfortable with mobile banking and digital identity checks.

Overview of Openbank Credit Cards

Openbank currently offers three main cards to users in the Netherlands, each with distinct purposes and cost structures:

1. Я42 Betaalpas (Maestro) – A free debit card included with an Openbank current account. Optional Travel+ add-on (€4.99/month) unlocks additional features for travelers.
2. Я42 Metal Card (Mastercard) – A premium card with a €13.99 monthly fee. Includes built-in travel benefits and concierge services.
3. e‑Commerce Card (prepaid Mastercard) – A free, digital-only card used exclusively for online purchases. Comes with flexible loading limits and no foreign currency fees.

These cards vary not only in terms of fees and target users but also in functionality, such as ATM access, international usage, and security features. Below is a comparison of key attributes:

Card	Monthly Fee	ATM Withdrawals	Foreign Transactions	Travel Insurance	Extras
Я42 Betaalpas	€0 (+€4.99 optional)	5x/month free in eurozone	No commission with Travel+	Available with Travel+	Contactless, Card Control, auto-donations
Я42 Metal Card	€13.99	5x/month worldwide + unlimited at Santander	Always no commission	Included	Concierge service, metal design
e‑Commerce Card	€0	–	No commission	Not included	Online-only, prepaid up to €3,000

Each card is linked to Openbank’s mobile-first platform, and users can manage settings like card limits, spending categories, and freezing/unfreezing directly via the app.

Я42 Betaalpas – Everyday Banking with Optional Travel Perks

The Я42 Betaalpas is Openbank’s standard debit card, available for free when you open a current account. It functions as a Maestro card, making it suitable for everyday purchases and cash withdrawals within the eurozone.

By default, the card includes five free ATM withdrawals per month within the EU and unlimited access to Santander ATMs worldwide. For users who travel occasionally, Openbank offers a Travel+ add-on for €4.99/month. This upgrade includes:

• Unlimited global ATM withdrawals
• Foreign purchases without commission fees
• Built-in travel insurance

Without Travel+, the Я42 Betaalpas remains a basic, low-cost solution for daily banking. But with the add-on, it becomes a lightweight alternative to a full travel card, making it a flexible choice for both local and cross-border use. The card also supports features like Card Control, contactless payments, and optional automatic donation settings.

Я42 Metal Card – Premium Features and Travel Focus

The Я42 Metal Card is Openbank’s high-end offering, aimed at users who prioritize travel, design, and added services. With a monthly fee of €13.99, this Mastercard includes the Travel+ benefits by default, eliminating currency exchange fees worldwide and offering comprehensive travel insurance.

Key features include:

• 5 free ATM withdrawals per month worldwide, plus unlimited access to Santander ATMs
• No foreign transaction fees on purchases abroad
• Concierge service available 24/7 for reservations and assistance
• Exclusive metal card design for a premium feel

The Metal Card stands out for those who travel frequently or want added convenience and security while abroad. Though the monthly cost is higher than other Openbank options, it combines lifestyle perks with practical financial advantages — particularly valuable for users who spend in multiple currencies or travel several times a year.

e‑Commerce Card – Secure and Free for Online Shopping

The e‑Commerce Card is a digital-only prepaid Mastercard, designed specifically for online purchases. It comes at no monthly cost and is available through the Openbank platform without requiring a physical card. Users can load up to €3,000 onto the card, and spending is limited to the available balance, reducing the risk of overspending or fraud.

This card is particularly useful for:

• Online purchases where card security is a concern
• Limiting exposure by preloading a fixed amount
• Currency flexibility, as there are no foreign transaction fees when paying in other currencies

Because it’s fully digital, the e‑Commerce Card is also more sustainable, with no physical delivery. It’s an ideal option for users who shop frequently online and prefer to keep their main accounts or cards separate from web transactions. However, it cannot be used for in-store payments or ATM withdrawals, so it’s best viewed as a secondary, security-focused tool.

Travel+ Add-On – Is It Worth It?

The Travel+ add-on is an optional upgrade available with the Я42 Betaalpas or included by default with the Metal Card. It costs €4.99 per month and is intended for users who travel within or outside the EU and want more flexibility.

Key benefits of Travel+

• Unlimited ATM withdrawals worldwide
• No currency conversion fees outside the EU
• International travel insurance covering delays, cancellations, and medical emergencies

For users who travel a few times per year, Travel+ can offer solid value compared to paying per withdrawal or dealing with FX fees. However, frequent travelers may find the Metal Card a better deal, as it includes these benefits and more—albeit at a higher monthly cost.

The decision comes down to usage. If you’re mostly using the card within the eurozone but want occasional coverage abroad, Travel+ is a cost-effective middle ground.

Security and Card Management Features

All Openbank cards come with a range of built-in security and control tools designed to give users more oversight and peace of mind. These features are accessible via the Openbank mobile app and apply across debit, credit, and prepaid cards.

Key tools

• Card Control: Instantly block or unblock your card, set spending limits, and manage usage by region or transaction type (e.g., online, in-store, ATM).
• Contactless payments: All cards support tap-and-go payments, with adjustable limits for added control.
• Real-time notifications: Get instant alerts for every transaction to spot unusual activity quickly.
• Automatic donations: Enable micro-donations from each purchase to selected charities.

These features are especially valuable for users concerned with online fraud or overspending, offering a level of customization that many traditional banks still lack. The e‑Commerce Card, in particular, benefits from prepaid protection — you can never spend more than what’s loaded onto the card.

Key Benefits of Openbank Credit and Prepaid Cards

Openbank’s card lineup offers flexibility, transparency, and modern banking tools. Here are the main advantages users in the Netherlands can expect:

No monthly fee on basic cards
The Я42 Betaalpas and e‑Commerce Card come with no base monthly fee. Users only pay for optional extras such as the Travel+ package.

ATM access across Europe and beyond
The Я42 Betaalpas includes five free eurozone ATM withdrawals per month, and unlimited free withdrawals at Santander ATMs worldwide. The Metal Card adds global ATM access without extra currency charges.

No foreign transaction fees with upgrades
Users who activate Travel+ or choose the Metal Card can pay abroad without added currency conversion costs, making them suitable for international use.

Strong card control and digital safety
All cards include security tools such as real-time notifications, the ability to freeze or unfreeze the card instantly, and customizable transaction settings via the Openbank app.

Travel insurance included in premium plans
The Travel+ package and Metal Card both come with travel insurance, offering coverage for events like trip cancellations, baggage delays, or medical emergencies abroad.

Fully digital banking experience
All features—from application to card settings—are managed digitally. The app is available in multiple languages and supports contactless payments, automatic donations, and instant card issuance for online use.

Fees and ATM Withdrawals – What to Expect with Openbank Cards

Openbank offers a transparent fee structure, with most basic services free of charge. However, the type of card you choose will affect how much you pay per month and what you get in return—especially when it comes to ATM access and international use.

Here’s a breakdown of key fees and withdrawal limits by card type:

Card	Monthly Fee	Free ATM Withdrawals	Currency Conversion Fees	Other Notable Fees
Я42 Betaalpas	€0 (Travel+ optional)	5x/month in eurozone + all Santander ATMs	1.5% outside EU (0% with Travel+)	€4.99/month for Travel+ add-on
Я42 Metal Card	€13.99	5x/month worldwide + all Santander ATMs	None (always included)	None
e‑Commerce Card	€0	Not applicable (no ATM use)	None	Load limit of €3,000

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The Я42 Betaalpas is cost-effective for domestic use, but if you travel often or withdraw cash abroad, adding Travel+ or opting for the Metal Card might be more economical in the long run.

The e‑Commerce Card is best for users who don’t need ATM access, want zero monthly fees, and prefer prepaid control—ideal for online shopping and managing risk.