Refer a friend

Get €20 simply by accepting an invitation.

It’s that easy to get your €20: Open a BBVA current account now with your referral code, and make a purchase with your debit card.

And the best part: And if you invite your friends too, you can get up to €240 extra!

It’s that easy to get your reward:

  • Open your BBVA account with the referral code that you received from your friend who is already a BBVA customer.
  • Make a purchase with your debit card within 90 days after opening your account. No minimum amount required.
  • You will receive your reward of €20 directly in your new current account. You can also invite friends and receive additional rewards!

Current account and debit card that are free forever, so that every euro is yours to use.

    • 3% interest for the first 12 months, then a continuous, variable interest rate for 5 years*
    • For amounts up to €500,000, your current account balance will earn interest starting on the first day.
    • The interest will be automatically credited to your account every month.

     

    • 3% cashback on all your purchases within the first 12 months.**
    • Valid for your purchases in the online shop and on site, up to a maximum purchase value of €250 per month.
    • The cashback amount will also be directly credited to your account every month.

     

Everything you need in your current account

Daily Banking

You current account with a German IBAN has everything you need for your daily finances and for saving.

Flexible Financing

Pay for purchases in installments with Pay&Plan and find out more about our overdraft facility and instant loan.

Hassle-free cash

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

Safe, always and everywhere

Online banking with strong security features, as well as deposit protection covering up to €100,000.

What are you waiting for? Open a BBVA account, invite friends and receive up to €240!

*This offer requires that a BBVA current account be opened for the first time starting on June 26, 2025 or later and is valid for the first 12 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.

For the first 12 months after you have opened your account, the gross interest rate is 3% p.a. After these first 12 months, the balance will bear interest at a rate of 25% of the ECB deposit facility rate for a period of 5 years starting on the date that the account is opened. The interest rate is adjusted quarterly. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. You can view the ECB's current deposit facility rate at www.ecb.europa.eu. The bank will notify the customer of the current interest rate at the beginning of each quarter.

The interest rate is calculated based on the sum of the current account balance and the Sparbox, and is credited every month to the current account.

You can find further information at www.bbva.de/en/.

**The BBVA Cashback Offer requires that a BBVA current account be opened for the first time on June 26, 2025 or later and is valid for the first 12 months after the account is opened.

The cashback reward lasts for 12 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 €250 in purchase value. This is the equivalent of a maximum monthly reward of €7.50.

The following are excluded from cashback: charges from financial institutions or banks, cryptocurrencies, arcades or betting shops, payments to debt collection agencies, cash withdrawals from ATMs, fees from financial institutions (PayPal etc.).

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