Question 1

What interest rate will I receive?

Accepted Answer

Starting on July 1, 2026, you will automatically benefit from a variable base interest rate of 2.25% 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 interest rates (total interest rate):

2.75% 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 3.50% interest p.a. on new money: Starting on July 1, 2026, 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. The promotion is valid until September 30, 2026.****

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

Question 2

What is new money?

Accepted Answer

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.

Question 3

How is the average monthly balance calculated?

Accepted Answer

This is the average monthly balance used to calculate your final interest rate. To do this, we add the balance in your current account and your Savings Box at the end of each day and divide the sum by the number of days in the month. This average is recalculated at the end of each month.

Question 4

How is monthly card spending calculated?

Accepted Answer

We add up all your purchases starting on the 1st of the month and deduct any refunds. The following transactions are excluded: fee-based payments made with the BBVA debit card to financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

Question 5

Are the interest rates for the average balance and the income payment and the card purchases cumulative?

Accepted Answer

No, we apply the best interest rate for you out of all the offered terms and conditions.

Question 6

What conditions apply to the interest benefit available through income and pension payments?

Accepted Answer

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/retirement 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").
Employer or client: The employer or client must be a company or a legal entity. Do you receive your income from a private individual? Then please contact BBVA Customer Service.
Recipient: The name of the beneficiary must match the name of the account holder.

Any questions?