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.

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,

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.
  • 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.

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.

*This offer requires that a BBVA current account be opened for the first time starting on August 1, 2025 or later 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.

interest rate advantage during the first 6 months: For the first 6 months after you have opened your account, the gross interest rate is 3% p.a.

interest after the first 6 months: Your interest rate after the end of the promotional offer (e.g. B. 3% p.a. for 6 months) depends on your average monthly balance and account usage: 1.50% p.a. for an average monthly balance of up to €10,000. 2.00% p.a. for an average monthly balance of more than €10,000. 2.50% p.a. for a monthly income- or pension payment. 2.50% p.a. for monthly payments with your BBVA debit card totaling over €1,500.

The interest rates applicable after the first 6 months are updated quarterly. There is no guarantee that the current conditions will be maintained in the quarters to follow. Regardless, the interest rate is always at least 25% of the ECB's deposit rate. Only payments to the BBVA current account that are marked as income or pension payments with a corresponding transfer key (wage/salary or pension) are considered income 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 debit card is considered a card transaction.

The following are excluded: fee-related BBVA debit card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

**Cashback promotion: The BBVA Cashback Offer requires that a BBVA current account be opened. It is valid for the first 6 months after this opening. 

3% cashback: 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.

More information at bbva.de.

***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.

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