The statutory deposit guarantee protects your money in the event of a bank insolvency. It ensures that you receive a refund of up to €100,000 per customer and bank – regardless of whether you have a current account (including the Savings Box) or fixed deposit with BBVA.
Free current account and debit card
Your free current account with 3.5% interest p.a. for 6 months
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Includes long-term interest on your balance and no hidden conditions.
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Your free debit card with 3.5% cashback on your purchases for 6 months.
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Your money is protected: We provide deposit protection for up to €100,000.
Frequently asked questions about deposit protection
Your BBVA current account benefits
Free current account, forever
Fee-free, and long-term. Ideal for your daily finances and savings.
Debit card
We will always be free and digital. Of course, you will also receive a physical card made from 100% recycled plastic.
3.5% interest p.a.
3.5% interest p.a. on your balance for the first 6 months, with monthly credit.
Cashback
During the first 6 months you will receive 3.5% of your purchases back from us as cashback, in other words, up to €73 per month is credited back to your account.
We are a secure bank
- The global bank with over 82 million customers worldwide and 169 years of history. customers worldwide and 169 years of history.
- 100% digital banking with 24/7 personal customer service.
- Current account with German IBAN and deposit protection up to €100,000.
- Already received multiple awards, such as a rating of “Very good” from Handelsblatt.
How to benefit from ongoing interest
- You will receive 3.5% interest p.a. for the first 6 months, on amounts up to €200,000. With a monthly credit directly into your account.
- followed by ongoing interest with information about the current interest rate every 3 months.
- We make everything easy for you. Your interest rate is calculated automatically.
The debit card for everything: flexible, secure, and accessible
- Free cash withdrawals starting at €150 at all Mastercard ATMs within the EU.
- Simple card management directly via the BBVA App.
- Pay securely with your card, without a printed number and with a dynamic CVV.
Up to €73 back on your purchases, directly in your account
- Make a purchase with your free physical and digital debit cards and receive 3.5% cashback during the first 6 months.
- The cashback amount will be credited directly to your current account.
- On purchases, up to €350 monthly, with no minimum purchase, made both online and in store.
Recommend BBVA and receive up to €240
- Invite your friends and receive a credit of €30 for the first 8 friends that you refer, with the possibility to earn up to €240 in total. Those who were referred receive a €40 credit.
- To receive your credit, your friends must make a purchase with their debit card within 90 days after opening their accounts.
By your side from the beginning
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Easily open your account online
Open your free current account in just a few minutes.
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Access all features via the BBVA app
Simple and intuitive use, for effortlessly managing your everyday life.
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24/7 telephone customer service
German-speaking customer support is available 24/7. Our English-speaking customer support team is available by phone each day from 7 am to 9 pm.
*This offer requires that a BBVA current account be opened for the first time starting on July 1, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.5% 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 2.25% 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 2.25% p.a. without further requirements, or 2.75% 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.
More information at bbva.de.
**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 3.5% cashback on online and offline purchases totaling up to €350 in purchase value. This means that you can receive €73 cashback in 6 months. The maximum cashback payment is €12.25 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.
***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. Fee-free withdrawals with no minimum amount at all BBVA ATMS in Spain and all Garanti BBVA ATMs in Turkey.
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.