BBVA: your secure bank

Take advantage of BBVA's global experience for your banking in Germany

  • Trust, experience and global strength: The third-largest bank in Europe, offering global experience and innovative financial solutions.
  • Security: Your money is protected by a German IBAN and safeguarded for up to €100,000 through statutory deposit insurance.
  • Progress and sustainability: focus on digital innovation and a sustainable, climate-friendly future.

Why customers throughout the world trust BBVA

BBVA is the third-largest bank in Europe and has over 165 years of experience. It combines modern services with trust, security and solidity.

Some figures that demonstrate our experience:

  • over 79 million active customers worldwide
  • branches in over 25 countries
  • Over 125,000 employees
  • €769.3 billion total capital

Up to 2.50% interest per annum for your loyalty

With BBVA, the balance in your current account and Savings Box accrues interest.

  • After your initial promotional interest period has expired, you will receive a variable interest rate (e.g. 3% p.a. for 6 months). This is adjusted every quarter and communicated to you in advance.
  • Example: Customers whose promotional interest rate ends in the second quarter of 2026 will receive a gross interest rate of up to 2.50% p.a. until June 30, 2026, depending on their average balance, received income, and card usage.
  • The current interest rate of 2.50% p.a. is among the most attractive offers on the market – approximately 5.8 times higher than the current average in Germany.

Current account comparison calculator

Calculate what additional benefits you'll receive from BBVA!

With the free BBVA current account and the BBVA debit card you receive interest on your balance and cashback on your purchases.
Simply enter into our calculator what you currently pay for your account, and discover your potential savings and profit in seconds.

BBVA: your modern bank for maximum security.

The app that makes banking easy

Open your account in minutes with the BBVA App, save automatically and keep track of your purchases at all times. Discover a new way to experience your bank.

Dynamic CVV

The dynamic CVV is an innovative security code that is not permanently printed on your card, but instead changes with every online purchase you make. This provides extra protection and maximum security.

Biometric recognition

Protect your account with unique, non-transferable login credentials and reduce the risk of fraud. Biometric recognition is simple, secure and convenient.

Custom card management

With flexible card management, you can temporarily block your debit card at any time or restrict its features.

BBVA: innovative and sustainable

  • BBVA now in ChatGPT

    Working with OpenAI, BBVA is integrating the first native finance app directly into ChatGPT. The new app lets you retrieve information on bank products and services by simply asking questions in natural language.

  • BBVA is financing Europe's energy transition

    BBVA helps companies in Germany to accelerate the transition to a low-carbon economy by supporting projects in the field of renewable energies and clean technologies.

  • Digital technology for smarter decisions

    BBVA connects digital innovation with expert advice to help you incorporate sustainability into every financial decision.

Further information

Current account: Free with 3% interest* per annum and cashback**

  • Long-term account interest: 3% interest p.a. for 6 months on balances up to €500,000, then a variable interest rate for 5 years.
  • 3% cashback during the first 6 months: Get cashback on purchases with your BBVA physical and digital debit cards.
  • Free forever debit card: make contactless payments and conveniently withdraw cash.

Good reasons to switch to BBVA

Free transactions

SEPA instant transfers, cash withdrawals starting from €150, and purchases in foreign currencies.

Flexible financing

The need to make an unexpected purchase often happens at an inconvenient time. No need to worry – Pay&Plan installment payments and our instant loans and overdraft help you remain flexible.

It's an easy switch to BBVA

We will transfer your account and payments to BBVA, without any costs or bureaucracy.

Promotions

Take advantage of BBVA's promotions and benefits. Get cashback and a credit for your referral.

*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.

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