Hassle-free cash

Cash to go made easy

  • Wherever it says Mastercard, you can get cash - throughout the world.
  • No ATM in site? Not a problem – simply get cash at the checkout.

A BBVA current account that allows you to quickly make multiple transactions

  • Free-forever current account and debit card
  • 3.75% interest p.a. and cashback for the first 6 months.
  • After that: long-term variable interest rate, which is currently 2.5% p.a.

From Berlin to Bangkok: Mastercard makes it possible

German IBAN and deposit protection

Your BBVA account comes with a German IBAN and deposit protection covering up to €100,000 per customer.

Access cash worldwide

€2 fee per foreign currency withdrawal, or for amounts under €150. Additional fees from the bank operating the ATM may apply.

Fee-free cash withdrawals at all Mastercard ATMs in the eurozone starting at €150

Withdraw cash completely free of charge at all Mastercard ATMs in Germany and the euro area starting at €150

Using your physical and digital debit cards

With your physical debit card at all participating ATMs, and with your digital debit cart at ATMs with NFC.

Thinking about vacationing in Spain? Cash without fees!

  • No fees: Withdraw cash at no extra cost.
  • A large ATM network: With approximately 4,500 BBVA ATMs throughout Spain.
  • No minimum amount: You can withdraw exactly as much as you need.

Get cash with Mastercard for Withdraw cash at checkout, quickly and free of charge,

using your physical or digital debit card.
  • Valid at retail partners who have the Mastercard symbol displayed at the entrance.
  • Simply state the cash amount you would like to withdraw at the checkout. You can withdraw up to €300 daily, with no fees.
  • Requirement: a minimum in-store purchase between €5 and €20.

Mastercard: Partners

Cash via App: Payout via barcode at checkout

  • Quickly, and with no minimum purchase.
  • Simply, using a barcode via the BBVA App.
  • Flexibly, at approximately 12,000 German retail partners.  

Cash via App: Partners

DigitalBank: a bank, but secure!

  • 169 years of experience, with more than 82 million customers in 25+ countries.
  • Innovative security: state-of-the-art technology that protects you and your money.
  • European Bank: Spanish deposit protection up to €100,000 per customer
  • Winner of multiple awards, such as those given by Euro and Handelsblatt for our current account and our app.

Your account, your cash—fully automated.

Free. Really. Always.

Fee-free, and it stays that way too. Ideal for your daily finances and savings.

Interest that lasts.

After the first 6 months you will a receive a variable interest rate for 5 years as well as information on the current interest rate every 3 months.

3.75% on your balance. Just like that.

3.75% interest p.a. on your balance for the first 6 months, with monthly credit.

Credit? Automatically credited.

Automatic interest for balances totaling up to €500,000.With monthly credit and no conditions at all.

Thinking of opening a BBVA account? Over 82 million say you should. What about you?

Open your BBVA current account in just a few minutes, top it up and get started immediately.

Legal notice
*This offer requires that a BBVA current account be opened for the first time on September 15, 2026 or later and is valid for the first 6 months after the account is opened. The gross interest rate is 3.75% p.a. for balances up to €200,000, with no minimum amount. For balances above €200,000 and up to €500,000, the gross interest rate is 2.5% p.a.; Balances exceeding €500,000 do not accrue interest. Interest is calculated daily based on your account balance at the end of each day and is credited monthly.

interest after the first 6 months: After the promotional period has ended, a variable gross interest rate will apply to balances up to €500,000. Currently, this is 2.5% p.a. without further requirements or 3% p.a. for monthly payroll or pension payments to the BBVA current account or for monthly payments with your BBVA debit card and/or BBVA credit card totaling over €1,500. 

Balances exceeding €500,000 do not accrue interest. Interest rates are 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 transfers marked accordingly are regarded as payroll or pension payments; Transfers from one's own account and transfers from private individuals are not taken into account. 

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.

**The BBVA cashback offer requires that a BBVA current account be opened and is valid for the first 6 months after making the first card payment. To receive cashback, you must make your first payment with the BBVA debit card within 90 days of opening your account.

With the BBVA debit card you receive 3.75% cashback on online and offline purchases totaling up to €400 in purchase value. This means that up to €90 cashback can be credited within 6 months. The maximum cashback payment is €15.00 per month.

No cashback is awarded for payments related to financial services and banks, cryptocurrencies, gambling and betting, debt collection services and cash withdrawals.

More information at bbva.de.