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.
Now get 10% extra cashback
- Secure up to €50 extra cashback on your purchases in the first month with your physical or digital BBVA debit card.*
- The amount is transferred directly to your account.
Withdraw money from Mastercard ATMs worldwide
Starting at €150, you can withdraw cash without any fees
at all Mastercard ATMs in Germany and the Eurozone.
Access cash worldwide
€2 fee per foreign currency withdrawal, or for amounts under €150. Additional fees from the bank operating the ATM may apply.****
At 49,750 ATMs in Germany
Use Mastercard's extensive ATM network, in Germany and worldwide.
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? Withdraw money for free at all BBVA ATMs.
- No fees: Withdraw cash at no extra cost.
- A large ATM network: At approx. 4,500 BBVA ATMs in 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,
- 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.
- All that's required is 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
BBVA, your secure choice.
- The global bank with more than 79 million customers customers worldwide and 165 years of history.
- 100% digital banking with 24/7 personal customer service.
- Current account with Deposit protection up to €100,000 (EU-wide harmonized deposit protection system) and German IBAN.
Everything you need in your current account
Free current account, forever
Fee-free, and it stays that way too. Ideal for your daily finances and savings.
Long-term interest rate
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% interest p.a.
3% interest p.a. on your balance for the first 6 months, with monthly credit.
Monthly interest credit
Automatic interest for balances totaling up to €500,000.With monthly credit and no conditions at all.
More than 79 million people worldwide trust us with their banking. Join us!
Open your BBVA current account in just a few minutes, top it up and use it immediately.
*Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions.
More information at bbva.de and in the terms and conditions of participation.
**This offer requires that a BBVA current account be opened and is valid for the first 6 months after opening an account.
The annual interest rate is calculated on amounts up to a maximum of €500,000, with no minimum amount. Interest is calculated daily based on your account balance at the end of each day and credited monthly, minus applicable tax deductions.
For the first 6 months after you have opened your account, the gross interest rate is 3% p.a. After these first 6 months, the balance will bear interest at a rate of at least 25% of the ECB deposit facility rate for a period of 5 years starting on the date that the account is opened. The interest rate is adjusted quarterly. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. You can view the ECB's current deposit facility rate at www.ecb.europa.eu. The bank will notify the customer of the current interest rate at the beginning of each quarter.
The interest rate is calculated based on the sum of the current account balance and the Sparbox, and is credited every month to the current account.
You can find further information at www.bbva.de/en/.
***The BBVA Cashback Offer requires that a BBVA current account be opened for the first time on August 1, 2025 or later and is valid for the first 6 months after the account is opened.
The cashback reward lasts for 6 months beginning with your first transaction with the debit card. The first transaction must be completed within 90 days of opening the account.
The reward applies to your online and offline debit card purchases for the first €350 in purchase value. This is the equivalent of a maximum monthly reward of €10.50.
The following are excluded from cashback: 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.
****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. 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.
