BBVA flexible fixed-term deposits with attractive interest rates
Fixed interest rates, yet still flexible
- Wähle jetzt zwischen 6 Monaten und 5 Jahren Laufzeit und sichere dir 2,30% bis 3,20% p. a. Interest for your balance.
- Invest between €500 and €1,000,000.
- Early termination and full or partial payout possible at any time.
To use your flexible fixed-term deposit, open your free BBVA current account!
Solid interest rates for every term
| Terms | Interest rate |
|---|---|
| Terms
Term
6 months |
Interest rate
Interest rate
2.30% p.a. a. |
| Terms
Term
12 months |
Interest rate
Interest rate 2.70% p.a. a. |
| Terms
Term
2 years |
Interest rate
Interest rate
2.80% p.a. a. |
| Terms
Term
3 years |
Interest rate
Interest rate
2.90% p.a. a. |
| Terms
Term
4 years |
Interest rate
Interest rate 3.00% p.a. a. |
| Terms
Term
5 years |
Interest rate
Interest rate
3.20% p.a. a. |
To use your flexible fixed-term deposit, open your free current account
- A current account that never charges fees and has no conditions, like a salary deposit.
- 3% interest per annum on balances up to €500,000 and 3% cashback during the first 6 months.
- Free physical and digital debit cards included.
Achieve more and stay flexible
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Guaranteed interest rates
Choose a term between 6 months and 5 years with an interest rate ranging from 2.30% to 3.20% p. a.
-
Legally secured
Your money is protected by the Spanish Deposit Guarantee Fund (FGD), up to €100,000 per customer.
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Easy to open
Make a deposit into your current account and easily open your flexible fixed-term deposit via the BBVA App.
-
Complete flexibility
You can partially or completely cancel your investment at any time and withdraw your money before the end of the term.
This is how you open your flexible fixed-term deposit
- Open your current account: Get started right away – it only takes a few minutes to open an account.
- Deposit money into your current account with your debit or credit card from another bank, or via transfer or cash deposit.
- Easily apply for the flexible fixed-term deposit account via the BBVA App. You can pay in between €500 and €1,000,000.
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*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.