Head-to-head
Openbank vs Aion Bank: which is better in Europe? (2026)
Quick answer
Openbank scores higher overall (69 vs 68). Below is exactly where each one wins.
Last updated 15 August 2026 · Cross-checked against official sources
Data reviewed by Ilya ChernetskiyFounder and editor, nomoneda
This head-to-head was generated from our rankings: both services appear in the same shortlists. The facts and scores below are the same ones used everywhere else on the site.
At a glance
| Openbank | Aion Bank | |
|---|---|---|
| Score | 69 | 68 |
| No DNI | No | No |
| Holds USD | No | No |
| USD APY | — | — |
| Cashback | No | Yes |
| FX model | Bank's own board rate, markup not published — the FID states only that rates are those published daily by the bank for amounts up to 3,000 EUR, or set by the bank on market quotes above that | International market quotations + published standard 0.2% margin |
| Docs needed | Needs NIE/residency in supported market; fully remote | No local address needed in supported markets |
Bottom line
Openbank69/100
Deposit protection: DGS €100k (ES — Fondo de Garantía de Depósitos)
FAQ
- Openbank or Aion Bank — which is better?
- Openbank scores higher overall in our ranking, but the right choice depends on whether you prioritise fees, USD support or onboarding.
- Can I use both?
- Yes — many relocants keep one for receiving USD and another for daily spending.