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Openbank , a popular subsidiary of Grupo Santander , is the digitalonly bank headquartered in Spain . Founded in 1995 by Banco Santander , the website was launched the following year , making it one of the older digital banks around . Today there are 1.35 million accounts registered with the bank . Stand-out features include its 24 / 7 support line , open to customers at all times . Openbank allows customers to deposit or withdraw cash fee free from over 4,500 ATMs across the Santander services in Spain . As of last year , it began its expansion across Europe to Germany , the Netherlands and Portugal . APRIL 2020