Free current account and debit card. Forever,

Your free current account with interest and cashback

  • 3.5% interest p.a. for 6 months on balances up to €200,000, paid out monthly.
  • After that a follow-up interest rate, which is currently 2.25%.
  • 3.5% cashback on your purchases during the first 6 months – up to €73 credited directly in your account.

Open your account in minutes!

Get more out of your savings

  • Good interest over the long-term

    Your current account for everyday life: Free-forever and with 3.5% p.a. for the first 6 months. 

  • Debit card with 3.5% cashback

    With your BBVA account you receive free physical and digital debit cards and secure up to €73 during the first 6 months. Receive 3.5% cashback on purchases totaling up to €350 per month. Monthly credit directly in your account.

  • Currently 2.5% interest p.a. after the first 6 months

    Your money continues to grow even after the promotional period. You will automatically receive a variable follow-up interest rate, which is currently 2.25% p.a.,approximately 4.69 times higher than the average in Germany.

Best banking terms and conditions at the best price

For €0 you get the following from BBVA:

  • A free-forever current account

    Account with German IBAN and physical and digital debit cards, with no conditions at all.

  • No fees for foreign currencies

    Make purchases and withdraw cash in other currencies with absolutely no surcharges.

  • Gebührenfreies Bargeld im Euro-Raum

    Hebe mit deiner Debitkarte an allen Mastercard-Automaten im Euro-Raum kostenlos ab einem Betrag von 150€ ab.

  • Your extra advantage in Spain and Turkey

    Withdraw cash completely free of charge at all BBVA and Garanti BBVA ATMs, with no minimum amount.

The bank that takes you further

  • Save effortlessly

    Your digital Savings Box with the same interest rate as your current account.

  • Financial flexibility

    WithPay&Plan, our overdraft and instant loans help you remain flexible.

  • Hassle-free cash

    At Mastercard ATMs worldwide, and in German retailers.

  • Master your finances

    With intelligent app features such as Expense Analysis and Multibanking.

Up to €240 for your referrals

Recommend BBVA and receive a credit directly in your account.

Your friends will also benefit from a reward.

BBVA, your secure choice.

BBVA, your secure choice.

169 years of experience, the most innovative security features, and a European banking license with Spanish deposit protection covering up to €100,000 of your money. So secure that we are trusted by more than 82 million people worldwide. And our current account has already received lots of awards and positive press, such as a rating of “Very good” from Handelsblatt.

*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.