Why pay for what's essential?

Your BBVA current account offers you everything you need for your daily banking: an account that is free forever, a free debit card and an app that lets you easily manage your finances, and digitally too. This is backed by 169 years of banking experience.
Use your BBVA current account for even more of your daily banking.

Everything that you get for free

More banking. Lower fees. With your BBVA current account, you get numerous benefits in your everyday life, and while traveling.

No account management fees

A free current account, forever.

No BBVA fees for currency exchanges

Pay in other currencies without BBVA charging you additional fees.

Your debit card is free

Your BBVA debit card is free forever.

Free cash withdrawals starting at €150 

No BBVA fees within the eurozone starting at €150. At all BBVA ATMs in Spain, with no minimum amount.*

What sets us apart from other banks in Germany?

We compared the account management fees and debit card fees with the respective average amounts ​​of other banks in the German market.**
BBVA does not charge any fees for account management or debit cards. As you can tell by looking at the average for the German market, this allows you to save on fees.
  • Account management fees at BBVA: €0/year; market average: €69.60/year
  • BBVA debit card fees: €0/year; market average: €17.49/year

Your money can do more for you too

Our interest rate is above the German market average.*** Discover your benefits and get more money out of your savings.
  • An attractive interest rate. that is above the average for the German market.
  • Your money remains available to you. No waiting period.
  • No minimum deposit amount. Deposit the amount that suits you best.

 

Choose the savings option that suits you best

Choose the savings option that suits you best.

  • Interest-bearing current account

    • An interest rate that is above the average for the German market***
    • No minimum contribution
    • Your money remains available to you at all times
    • Ideal for your daily banking transactions

    Get more out of your money

     

  • Savings account

    • Let your savings grow
    • No minimum contribution
    • Your money remains available to you at all times
    • Ideal for saving toward specific goals

    Set up a savings goal now

     

  • Flexible fixed-term deposit****

    • Fixed interest rate for your savings
    • Starting at €500
    • Terms that are tailored to your needs
    • Ideal for securing fixed interest rates ranging from medium to long term

    Discover flexible fixed-term deposits

     

Everything in your app

A bank that is always by your side.
With the BBVA App, you have your finances in one place and can easily manage them at any time.
  • Your money at a glance
  • Your card is there for you when you need it
  • All your savings in one place
  • Digital tools for your everyday life

 

You know your benefits.

Now take advantage of them to grow your savings.

*Cash can be withdrawn at all ATMs that accept Mastercard. BBVA does not charge any fees for withdrawals of €150 or more within the Eurozone. For withdrawals under €150 within the Eurozone, BBVA charges a fee of €2. Fee-free withdrawals with no minimum amount at all BBVA ATMs in Spain.

The fee is also €2 for withdrawals outside the Eurozone. The currency exchange for withdrawals and purchases is fee-free; BBVA applies the official exchange rate without any markup.

Additional fees from the bank operating the ATM may apply.

**The stated average values ​​for Germany are based on the data listed in the BaFin account comparison. According to the accounts it took into consideration, the average account management fee is €69.60 per year, while the average debit card fee is €17.25 per year. Source: BaFin account comparison, available at https://kontonvergleich.bafin.de/de. Status: October 1, 2026

***The average for the German market consulted for the comparison is based on data published by the European Central Bank (ECB) regarding the interest rates for private household deposits with German banks that mature daily. Source: ECB, available at data.ecb.europa.eu, Status: August 2026.
The comparison is based on the basic interest rate for the BBVA current account that is generally being offered in the current quarter. Depending on the current requirements for account usage, additional interest conditions may also apply, especially in the case of payroll or pension payments or transactions with the BBVA debit card or credit card. The interest rates are based on the applicable contractual terms and conditions and may change accordingly. Your current account balance is available to you daily.

****Opening a flexible fixed-term deposit account requires a BBVA current account and a balance equal to or greater than the deposit amount.