Free current account and debit card. Forever,
Your free current account with 3% interest p.a. and 3% cashback for 6 months
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Dauerhaft kostenlos, ohne Bedingungen wie Gehaltseingang oder Mindestguthaben.
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Free physical and digital debit cards included.
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Verzinsung auf Guthaben bis zu 500.000 €.
Now get 10% extra cashback
- Secure up to €50 extra cashback on your purchases in the first month with your physical or digital BBVA debit card.*
- The amount is transferred directly to your account.
Money that multiplies. For you.
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Plus, when it comes to saving,
- 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.
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Plus, when paying
- 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.
Long-term interest rates that make your saving worthwhile
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) you will receive a variable interest rate. This is adjusted every quarter and communicated to you in advance.
- For example: Customers whose promotional interest rate ends in February or March 2026 will receive a gross interest rate of 2% p.a. until March 31, 2026, which currently corresponds to the ECB's deposit rate.
Your benefits for €0
- Free account management with no minimum deposit.
- Cash via App.
- Pay abroad without any fees.
- 24/7 customer service.
The bank that takes you further
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Save effortlessly
Your digital Savings Box with the same interest rate as your current account.
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Financial flexibility
WithPay&Plan, our overdraft and instant loans help you remain flexible.
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Hassle-free cash
At Mastercard ATMs worldwide, and in German retailers.
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Master your finances
With intelligent app features such as Expense Analysis and Multibanking.
Up to €240 for your referrals
Your friends will also benefit from a reward.
BBVA, your secure choice.
*Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions.
More information at bbva.de and in the terms and conditions of participation.
**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.
For the first 6 months after you have opened your account, the gross interest rate is 3% p.a. After these first 6 months, the balance will bear interest at a rate of 25% of the ECB deposit facility rate for a period of 5 years starting on the date that the account is opened. The interest rate is adjusted quarterly. It is currently 2% p.a. and will remain at this percentage through at least March 31, 2026. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. You can view the ECB's current deposit facility rate at www.ecb.europa.eu. The bank will notify the customer of the current interest rate at the beginning of each quarter.
The interest rate is calculated based on the sum of the current account balance and the Sparbox, and is credited every month to the current account.
You can find further information at www.bbva.de/en/.
***The BBVA Cashback Offer requires that a BBVA current account be opened for the first time on August 1, 2025 or later and is valid for the first 6 months after the account is opened.
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 €10.50.
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.
