BBVA: your secure bank

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

  • Vertrauen, Erfahrung & globale Stärke: 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.
  • Fortschritt & Nachhaltigkeit: 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 169 years of experience. It combines state-of-the-art services with trust, security and solidity.

Some figures that demonstrate our experience:

  • Over 82 million active customers worldwide
  • branches in over 25 countries
  • Over 125,000 employees

2.5% interest p.a. and more: automatically and over the long term

Even after your promotional interest rate - currently 3.75% p.a.* for 6 months - your money continues to work for you. You will automatically receive a variable follow-up interest rate on your balance up to €500,000. This rate is currently 2.5% p.a.

You will receive an additional 0.5% p.a., so the total is 3% p.a. if you make your BBVA account your payroll account or generate card transactions totaling at least €1,500.

The current interest rate of 2.5% p.a. is among the most attractive offers on the market – around 5 times higher than the current average in Germany.*

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

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

Biometric recognition

In the BBVA App, you confirm your transactions directly on your smartphone via biometrics or by approving with a click. It's secure and easy, plus you maintain full control.

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

Further information

Current account: Free with 3.75% interest p.a. & Cashback

  • Long-term account interest: 3.75% interest p.a. for 6 months on balances up to €200,000, then a variable interest rate for 5 years.
  • 3.75% 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. Keine Sorge – mit Pay&Plan, dem Dispo- oder Sofortkredit bleibst du flexibel.

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.

Legal notice
*This offer requires that a BBVA current account be opened for the first time starting 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(s) 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 you can receive €90 cashback in 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.