Did a friend invite you?

€40 is waiting for you!

Open your account with the referral code, make a payment
with your debit card (no minimum amount), and secure
€40!
What are you waiting for?

Want more? Receive up to €280 total

It's as simple as this:
  • If you open your account with the code you received and make a payment with your BBVA debit card within 90 days (no minimum amount), you will receive €40.*
  • You will receive €30 for each successful invitation, up to a total of €240, when your friends open their account with your code and make a payment.

Everything you need in your current account

Free current account and debit card, free forever

Your current account is 100% fee-free, and will stay that way over the long term.

Everything you need for your daily finances

German IBAN and everything you need for your daily finances and for saving.

3% p.a. to your current account, just like that

For the first 6 months on current account balances up to €500,000.**

Hassle-free cash

Easily withdraw cash at all ATMs worldwide with the Mastercard logo, and in German retailers.

3% cashback from BBVA. Get your money back now!

  • We offer you 3% cashback on your purchases with the BBVA debit card, up to €350 per month during the 6 months.
  • You will receive the cashback amount monthly directly on to your account.
  • Valid for all purchases with the physical and digital debit card.***

Open your account in minutes and secure your €40!

*The people you refer must open a BBVA current account using your referral code and make a purchase with their BBVA debit card within 90 days of opening their account. Once the purchase is completed, you will receive a reward of €30 (max. €240 in total for a maximum of 8 friends), and the person you invited will receive €40. People against whom BBVA has outstanding and enforceable claims, or referred persons who are or were already BBVA customers, are excluded from the promotion.

**This offer requires that a BBVA current account be opened for the first time starting on August 1, 2025 or later and is valid for the first 6 months after opening an account. The annual interest rate is calculated on amounts up to a maximum of €500,000, with no minimum amount. Interest is calculated daily based on your account balance at the end of each day and credited monthly, minus applicable tax deductions.

interest rate advantage during the first 6 months: For the first 6 months after you have opened your account, the gross interest rate is 3% p.a.

interest after the first 6 months: Your interest rate after the end of the promotional offer (e.g. B. 3% p.a. for 6 months) depends on your average monthly balance and account usage: 

  • 1.50% p.a. for an average monthly balance under €10,000. 
  • 2.00% p.a. for an average monthly balance of €10,000 or more. 
  • 2.50% p.a. for a monthly income- or pension payment. 
  • 2.50% p.a. for monthly payments with your BBVA debit card totaling over €1,500.

The interest rates applicable after the first 6 months are updated quarterly. There is no guarantee that the current conditions will be maintained in the quarters to follow. Regardless, the interest rate is always at least 25% of the ECB's deposit rate. Only payments to the BBVA current account that are marked as income or pension payments with a corresponding transfer key (wage/salary or pension) are considered income or pension payments. Transfers from one's own account and transfers from private individuals are not taken into account. Every payment made with the BBVA debit card is considered a card transaction.

The following are excluded: fee-related BBVA debit 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 for the first time. It lasts for 6 months starting on the date the account is opened. 

3% cashback: The cashback reward lasts for 6 months beginning with your first transaction with the debit card. The first transaction must be completed within 90 days of opening the account.
The reward applies to your online and offline debit card purchases for the first €350 in purchase value. This is the equivalent of a maximum monthly reward of €10.50.

The following are excluded from cashback: 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.

More information at bbva.de.