Starting on In October 2026, you will automatically benefit from a variable base interest rate of 2.5% p.a.* on your BBVA current account balance and your Savings Box, up to a total of €500,000, and without any conditions.

Fulfill the following requirements to secure our attractive total interest rate:

• 3% interest p.a. on your balance: if you make your BBVA current account your payroll or pension account** or use your BBVA cards and have a monthly expenditure of at least €1,500.***
• Up to 3.75% interest p.a. on new money: Starting on July 1, 2026, if you transfer new money If you transfer new money to your BBVA current account, you will receive an additional 0.75% interest p.a.**** on top of your basic interest rate. This promotion is valid until September 30, 2026.

We automatically check every month whether any of the requirements are met.

If you deposit additional funds into your BBVA account, your current interest rate will increase by 0.75% interest p.a. (before taxes) on this additional amount.

For that reason, we compare your current average balance with the highest average monthly balance for the last four full quarters. If your balance exceeds this amount, the additional amount will be considered new money and will accrue extra interest for the corresponding period.

For a SEPA transfer to be recognized as an income deposit, the following conditions must be met:

• Payment category: The transfer must be assigned to one of the following categories: SALA (payroll payment), BONU (bonus/special payments), PENS/ EPAYPENS (pension payment), SSBE (social benefits)
  Reference: If the transfer does not contain the code SALA, the payment reference must clearly indicate that it is a payroll payment (for example "salary," "wage" or "earnings").
  Remitter: The remitter must be a company or a legal entity. Do you receive your income from a private individual? Then please contact our BBVA Customer Service team.
  Recipient: The name of the beneficiary must match the name of the account holder.
  Legal Notice:

*The variable interest rate depends on the interest terms that are agreed upon with you. After the first six months and up to five years after opening the current account, a variable gross interest rate applies to balances up to €500,000. Currently, this is 2.5% p.a. without further requirements. This interest rate is 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 payments to the BBVA current account that are marked as payroll or pension payments with a corresponding transfer key (wage/salary or pension) are considered payroll 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 Mastercard debit card or the BBVA credit card is considered a card transaction. 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.

****"New money" refers to the portion of your current account balance (incl. Savings Box) that exceeds the previous highest value of your average monthly balance (measured against the average monthly balance for the last four full quarters). These terms and conditions for "new money" apply to the period starting on October 1, 2026 and ending on December 31, 2026.