Did a friend invite you?

Secure your rewards now

Receive up to €260 in credit.
Become a BBVA customer and invite your friends.

It’s that easy to get your €260

  • Click on "Open an account" and during registration enter the referral code you received from your friend into the designated field. Make a purchase with your debit card within 90 days after opening your account and get €20 as a reward. No minimum amount required.
  • Invite your friends and receive a €30 credit for the first 8 friends that you refer. In total you can earn up to €240. Those refered receive a credit of €20.

Also get up to €113 cashback during the first 6 months

  • Pay with the BBVA debit card and have real money deposited back into your account every month.
  • Up to €60.50 cashback during the first month: €10.50 (3% on the first €350 in purchase value)* and an additional €50 extra cashback (10% on the first €500 in purchase value).**
  • Up to €52.50 cashback over the next 5 months: Up to €10.50 per month (3% of the first €350 in purchase value).

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

Your current account with a German IBAN has 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 credit balances up to €500,000.***

Hassle-free cash

You'll have the flexibility to easily withdraw cash at all ATMs worldwide with the Mastercard logo, and in German retailers.

Open your BBVA current account in just a few minutes. 100% online!

*Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions. More information at bbva.de and in the terms and conditions for participating.

**Cashback promotion: The BBVA Cashback Offer requires that a BBVA current account be opened. It is valid for the first 6 months after this opening. 

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.

***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 of up to €10,000. 2.00% p.a. for an average monthly balance of more than €10,000. 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.

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