🇪🇸 Spain

✓ SEPA MemberDigital Bank

Openbank IBAN Format & BIC Code

Openbank's BIC is OPENESMM. Its bank code is 0073, the code an IBAN at Openbank carries in positions 5 to 8. Its IBANs are 24 characters long. The bank receives SEPA Instant transfers and answers Verification of Payee name checks.

Older records may list this bank under SCFBESMM. The current code is OPENESMM. GLEIF, published by the Global Legal Entity Identifier Foundation, gives the old code to Open Bank S.A., formerly Santander Consumer Finance SA, the company whose EPC participant code is this one. See the record ↗Every correction we have published

Check an IBAN from Openbank

Prefilled with an illustrative Openbank IBAN, not a real account. Paste any IBAN from Spain to check it.

ES
Valid IBAN· Openbank, Madrid

Bank Details

Legal nameOpenbank S.A. (Santander)
BIC / SWIFT codeOPENESMMEPC register of participants
Bank code0073
Address in the EPC registerAvda. de Cantabria S/N, Ciudad Financiera Grupo Santander, Boadilla del Monte, MadridEPC register of participants
Official websiteopenbank.es ↗Wikidata
Country🇪🇸 Spain
Institution typeDigital bank

Payments it can receive

Openbank's participation in the European payment schemes, from the EPC register of participants.

SEPA Credit TransferYes, since 7 May 2012
SEPA Instant Credit TransferYes, since 4 June 2018
SEPA Direct Debit CoreYes, since 1 November 2010
SEPA Direct Debit B2BNot listed
Verification of PayeeAnswers name checks, since 30 September 2025

Verification of Payee lets the payer's bank compare the name typed on a euro transfer with the account holder's name. This page shows whether the bank takes part; ibanchecker.cash does not check names.

Sending money to an account at Openbank?

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IBAN Format at Openbank

IBANs at Openbank follow the Spain standard: 24 characters starting with ES.

Illustrative Openbank IBAN (sample account, not a real one):

E
S
5
2
0
0
7
3
0
4
1
8
1
5
0
2
0
0
0
5
1
3
3
2
Country
Check Digits
Bank Code
Branch Code
Check Digits
Account No.

Grouped example:

ES52 0073 0418 1502 0005 1332

Other Spain Banks

Spain IBAN format →
AYGBESMM
CAGLESMM
ALLFESMM
DEGRESBB

Frequently Asked Questions

What is Openbank's BIC (SWIFT code)?

OPENESMM. Written with the head-office branch code it is OPENESMMXXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.

What is Openbank's bank code?

0073. It is the bank code in positions 5 to 8 of an IBAN from Spain.

How long are Openbank IBANs?

24 characters, like every IBAN from Spain: the country code ES, two check digits, the bank code (4 digits, 0073 for Openbank), the branch code (4 digits), the check digits (2 digits) and the account number (10 digits).

Can I send an instant transfer to Openbank?

Yes. The European Payments Council lists Openbank in SEPA Instant Credit Transfer since 4 June 2018, so an instant euro transfer from a participating bank reaches its accounts in seconds.

Does Openbank confirm the payee's name?

Yes. It answers Verification of Payee requests (since 30 September 2025), so the payer's bank can compare the name entered with the account holder's name before a euro transfer is sent.

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