Free current account and debit card. Forever,

Your debit card is easy to use, secure, and free.

  • 3.75% cashback during the first 6 months on your purchases with the debit card.
  • Conveniently withdraw money at all Mastercard ATMs and thousands of partners in German retail.
  • Strong security features and card management directly in the BBVA App.

Open your free-forever BBVA current account with a digital and physical debit card!

Includes everything. Excluding fees.

Permanently free

Fee-free physical and digital debit cards for the long term, and without conditions.

Fee-free payments in foreign currencies

Fee-free currency exchange when withdrawing money or making card payments.

Hassle-free cash

Simply withdraw cash at all Mastercard ATMs worldwide, and starting at €150, in Germany and the Eurozone too.

Mobile payments

Use your BBVA debit card via your digital wallet and pay with your smartphone.

The debit card that rewards you for shopping

  • 3.75% cashback on your purchases within the first 6 months after you've opened your account, up to €400 in total purchases each month.
  • On your purchases with the physical or digital BBVA debit card.
  • No points system or partner program, just real money deposited directly into your account.

The free current account for your everyday finances

Your free-forever account, without conditions such as a salary deposit. With 3.75% interest p. a. for the first 6 months, on balances up to €200,000. Includes a fee-free debit card and cashback in your account every month.

Open one online in just a few minutes!

Smart app features for greater security

  • Card with a dynamic CVV and without a printed number.

    Request the dynamic CVV directly in the App in order to confirm your online card payment. A unique security code is generated for every transaction to even better protect you from fraud. 

  • Card management via app for full control

    With intuitive in-app card management you can block your card or specific features whenever you think it is necessary. No call center, no waiting queues. 

With your savings account, your balance grows automatically – month after month.

  • A free feature of your current account that helps you reach your savings goals.
  • The interest rate is based on the current account's present interest rate.
  • Set up to 5 Savings Goals with your own automatic rules to save effortlessly.

DigitalBank: a bank, but secure!

  • 169 years of experience, with more than 82 million customers in 25+ countries.
  • Innovative security: state-of-the-art technology that protects you and your money.
  • European Bank: Spanish deposit protection up to €100,000 per customer
  • Winner of multiple awards, such as those given by Euro and Handelsblatt for our current account and our app.

Up to €240 for your referrals

Recommend BBVA and receive a credit directly in your account.
Your friends will also benefit from a reward.

Legal notice
*This offer requires that a BBVA current account be opened for the first time 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 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 up to €90 cashback can be credited within 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.