Free current account and debit card. Forever,

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

  • 3,5% Cashback in den ersten 6 Monaten auf deine Einkäufe mit der Debitkarte.
  • 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

  • 3,5% Cashback auf deine Einkäufe bis zu 350 € Einkaufswert monatlich, innerhalb der ersten 6 Monate nach Kontoeröffnung.
  • 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. Mit 3,5% Zinsen p. a. for the first 6 months on balances up to €500,000. 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.
BBVA, your secure choice.

BBVA, your secure choice.

BBVA enjoys the trust of over 80 million customers worldwide. Open your account today and get a German IBAN and deposit protection up to €100,000 .

Up to €240 for your referrals

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

*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 3.5% p.a.

interest after the first 6 months: Your interest rate after the end of the promotional offer (e.g. B. 3.5% p.a. for 6 months) depends on your average monthly balance and account usage: 

  • 1.50% p.a. for an average monthly balance under €10,000. 
  • 2.25% p.a. for an average monthly balance of €10,000 or more. 
  • 2.75% p.a. for a monthly income- or pension payment. 
  • 2.75% 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. 

3.5% 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 €12.25.

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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