Free current account and debit card. Forever,

Your free current account with interest and cashback

  • 3% interest p.a. for 6 months, paid out monthly. 
  • Interest on balances up to €500,000.
  • 3% cashback on purchases during the first 6 months, credited directly to your account each month.
Start Pay&Plan now, interest-free

Start Pay&Plan now, interest-free

  • More flexibility for your shopping: Pay with the BBVA debit card and afterward conveniently split your payment into installments.
  • As a special promotion you get 0% interest p.a. on your first complete installment purchase, which must be made within two years of signing up for Pay&Plan.*
  • Valid for purchases ranging from €50 to €3,000.
Representative example according to § 17 PAngV: With a net loan amount of €70, a term of 7 months, and a fixed interest rate of 11.99% p.a., a. the annual percentage rate will be 12.45% p.a. Repayment is made in six equal monthly installments of EUR 10.40 each (if the product is acquired on April 11, 2026 ). April 11, 2026, the first installment would be €10.14). The total amount to be paid by the consumer is €72.54. For the first split purchase, the debit interest rate is 0% p.a. The lender is BBVA, German Branch, Neue Mainzer Str. 28, 60311 Frankfurt am Main.

Money that multiplies. For you.

    • you'll get 3% interest p.a. on your account balance for the first 6 months.
    • After that you'll have a continuous, variable interest rate for 5 years.
    • Without conditions and for amounts up €500,000.
    • With a monthly credit directly into your account.
    • you'll get 3% cashback on your purchases every month, up to €350 in total purchase value.
    • Within the first 6 months after you've opened an account.
    • On your purchases with the physical or digital BBVA debit card.
    • Receive your cashback credit directly in your account every month.

Up to 2.50% interest per annum for your loyalty

With BBVA, the balance in your current account and Savings Box accrues interest.

  • After your initial promotional interest period has expired, you will receive a variable interest rate (e.g. 3% p.a. for 6 months). This is adjusted every quarter and communicated to you in advance.
  • Example: Customers whose promotional interest rate ends in the second quarter of 2026 will receive a gross interest rate of up to 2.50% p.a. until June 30, 2026, depending on their average balance, received income, and card usage.
  • The current interest rate of 2.50% p.a. is among the most attractive offers on the market, approximately 5.6 times higher than the current average in Germany.

Your benefits for €0

With your permanently free checking account and debit card, you also benefit from:
  • Free account management with no minimum deposit.
  • Withdraw cash using Mastercard in German retail stores.
  • Pay abroad without any fees.
  • 24/7 customer service.

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.

BBVA enjoys the trust of over 79 million customers worldwide. Open your account today and get a German IBAN and deposit protection up to €100,000 .

*0% interest p.a. the first time you split a payment into installments with Pay&Plan. Only for BBVA customers with Pay&Plan Limit. The first purchase must be paid in installments within 2 years of signing the Pay&Plan contract. Pay&Plan's terms and conditions apply.

More information at bbva.de.

Representative example according to § 17 PAngV: With a net loan amount of €70, a term of 7 months, and a fixed interest rate of 11.99% p.a., a. the annual percentage rate will be 12.45% p.a. Repayment is made in six equal monthly installments of EUR 10.40 each (if the product is acquired on April 11, 2026 ). April 11, 2026, the first installment would be €10.14). The total amount to be paid by the consumer is €72.54. For the first split purchase, the debit interest rate is 0% p.a. The lender is BBVA, German Branch, Neue Mainzer Str. 28, 60311 Frankfurt am Main.

To use Pay&Plan, you must have a BBVA current account. The bank reserves the right to decide, at its sole discretion, whether it will offer you the option to pay in installments for a specific purchase made with Pay&Plan. They base this decision on your creditworthiness.

Representative example according to § 17 PAngV: With a net loan amount of €70, a term of 7 months, and a fixed interest rate of 11.99% p.a., a. the annual percentage rate will be 12.45% p.a. Repayment is made in six equal monthly installments of EUR 10.40 each (if the product is acquired on April 11, 2026 ). April 11, 2026, the first installment would be €10.14). The total amount to be paid by the consumer is €72.54. For the first split purchase, the debit interest rate is 0% p.a. The lender is BBVA, German Branch, Neue Mainzer Str. 28, 60311 Frankfurt am Main.

Only those purchases marked in the BBVA App with a minimum value of €50 and made less than 90 days ago can be financed via Pay&Plan. You can repay in monthly installments ranging from 3 to 12 months. A fixed debit interest rate of 11.99% p.a. applies when using Pay&Plan, regardless of the amount and term of the installment loan. Since all installments of the Pay&Plan service are always debited on the fifth day of each month (calculated based on the last day of the previous month), the effective annual interest rate varies depending on the day of the month on which the customer activated each installment payment.

For further information consult the European Standard Information for Consumer Credit: Pay&Plan Credit Line.

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