Hassle-free cash

Easily withdraw cash whenever you need it,

  • Withdraw cash at all ATMs with the Mastercard symbol, in Germany, the EU and worldwide.
  • Get cash at the checkout in German supermarkets and retail stores.

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.

Withdraw money from Mastercard ATMs worldwide

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.

Going on a trip

Fee-free worldwide when you use your BBVA cards

Withdraw cash free of charge in the eurozone starting at €150 and pay worldwide without any foreign currency surcharge – even on weekends. In Spain you can even withdraw cash free of charge with no minimum amount. at all BBVA ATMs.

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.

Cash with Mastercard

using your physical or digital debit card.

  • Valid at retail partners that have the Mastercard symbol displayed at their 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

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.