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.
- Up to €113 cashback during the first 6 months for accounts opened by April 7, 2026.*
Open your account in minutes!
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.
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.
This is how you can secure up to €113
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Open an account and get started right away.
Open your free BBVA current account in just a few minutes, completely online. No income deposit or minimum balance required. -
Secure up to €60.50 during the first month
Simply use your BBVA debit card for your daily purchases and receive up to €60.50 cashback directly in your account. -
Save an additional €52.50 on your shopping
Over the next 5 months you can get an additional €52.50 cashback for your purchases with the BBVA debit card.
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.
*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.
**In order 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.
***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.
