BBVA: your digital bank

3.75% interest p.a. and the flow of a digital bank

  • Free-forever current account with a free debit card
  • 3.75% interest p.a. and 3.75% cashback for every 6 months, paid out monthly
  • After that: a long-term variable interest rate, which is currently 2.25% p.a.*

Your digital bank: Discover 100% digital banking and the security of a European bank with 169 years of experience.

Revolutionize your finances with the DigitalBank!

Interest and cashback

Start with 3.75% interest p.a. and with cashback.

You will receive 3.75% p.a. and 3.75% cashback for every 6 months. This way you earn more money, whether you are saving or paying with your card.

100% digital and open in minutes

Your free-forever current account that earns you interest

With BBVA you get a free current account with a German IBAN and debit card so that you have everything you need for your daily banking. You can top up your account in seconds and immediately use your digital debit card.

Interest rate after the first 6 months

Long-term interest rates after 6 months

After the first 6 months, a long-term variable follow-up interest rate applies that is currently 2.25% p.a., around 4.5 times higher than the average in Germany.**

If you have your payroll payment or pension deposited, or have card revenue of at least €1,500, then your long-term follow-up interest rate will increase by an additional 0.5% to what would currently be 2.75% p.a.

DigitalBank: a bank, but secure!

  • 169 years of experience, with more than 82 million customers in 25+ countries.
  • Innovative security: state-of-the-art technology that protects you and your money.
  • European Bank: Spanish deposit protection up to €100,000 per customer
  • Winner of multiple awards, such as those given by Euro and Handelsblatt for our current account and our app.

BBVA App

Everything you need in an app

With the BBVA App, you have everything you need for your daily banking in one app: An attractive interest-bearing current account, worldwide payments with your debit card, instant transfers, a Savings Box for saving money, travel tips and loans that you can apply for directly in the App.

For your complete freedom

  • Flexible loans with BBVA

    Loans

    With Pay&Plan you can split previously made card purchases into installments, and with our instant loan you can finance your projects. We will process your loan application in minutes.

  • Traveling with BBVA

    Trips

    Pay worldwide without foreign currency surcharges and withdraw money free of charge at Mastercard ATMs in the Eurozone – starting at a €150 withdrawal amount. Under My Trips you will find great travel tips and can track your travel budget directly in the BBVA App.

We're always here to assist you

  • Automatic account switching

    Our digital account switching automatically updates your payment partners, standing orders, and direct debits.

    Discover more

  • Help section

    Answers and information about our products and services.

    Discover more

  • Latest news from BBVA

    Discover the latest news from BBVA, in Germany and across branches.

    Discover more

*Legal notice: This offer requires that a BBVA current account be opened for the first time on September 15, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.75% p.a. for balances up to €200,000, with no minimum amount. For balances above €200,000 and up to €500,000, the gross interest rate is 2.5% p.a.; Balances exceeding €500,000 do not accrue interest. Interest is calculated daily based on your account balance at the end of each day and is credited monthly.

interest after the first 6 months: After the promotional period has ended, a variable gross interest rate will apply to balances up to €500,000. Currently, this is 2.25% p.a. without further requirements or 2.75% p.a. for monthly payroll or pension payments to the BBVA current account or for monthly payments with your BBVA debit card and/or BBVA credit card totaling over €1,500. 

Balances exceeding €500,000 do not accrue interest. Interest rates are reviewed quarterly and may be adjusted. Regardless, the interest rate is always at least 25% of the ECB's applicable interest rate for its deposit facility. 

Only transfers marked accordingly are regarded as payroll or pension payments; Transfers from one's own account and transfers from private individuals are not taken into account. 

The following are excluded: fee-related BBVA card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

Cashback promotion: The BBVA cashback offer requires that a BBVA current account be opened and is valid for the first 6 months after making the first card payment. To receive cashback, you must make your first payment with the BBVA debit card within 90 days of opening your account.

With the BBVA debit card you receive 3.75% cashback on online and offline purchases totaling up to €400 in purchase value. This means that you can receive €90 cashback in 6 months. The maximum cashback payment is €15.00 per month.

No cashback is awarded for payments related to financial services and banks, cryptocurrencies, gambling and betting, debt collection services and cash withdrawals.

More information at bbva.de. 

**You can find more information on bank interest rates via this link: Savings account deposits made by private households in Germany (monthly)