3.75% interest p.a. +3.75% cashback for 6 months

Our current account is perfect for your everyday banking: It is free-forever and unconditionally, 100% digital, with a German IBAN and smart security features. The current account and the BBVA App have already received several awards.

Get more out of your savings

  • Good interest over the long-term

    Your current account for everyday life: free forever and with 3.75% p.a. Interest for the first 6 months. 

  • Debit card with 3.75% cashback

    With your BBVA account, you receive a physical and digital debit card for free and get up to €90 cashback during the first 6 months. Receive 3.75% cashback on purchases up to €400 per month. Monthly credit directly in your account.

  • Aktuell 2,5 % Zinsen p. a. after the first 6 months

    Your money continues to grow even after the promotional period. Du erhältst automatisch einen variablen Anschlusszins, aktuell 2,5 % p. a., rund 5x höher der Durchschnitt in Deutschland.

Best banking terms and conditions at the best price

Everyday banking transactions, without feesBBVAAverage in GermanyBBVA benefits
Everyday banking transactions, without fees
account management fee
BBVA
free
€0/year
Average in Germany
€69.84/year
BBVA benefits
Save 100%
Everyday banking transactions, without fees
debit card fee
BBVA

free
€0/year

Average in Germany

€17.25/year

BBVA benefits
Save 100%
Conditions that offer you the bestBBVAAverage in GermanyBBVA benefits
Conditions that offer you the best
follow-up interest after 6 months
current account interest
BBVA
2.5% p.a.
Average in Germany
0.5% p.a.
BBVA benefits
5x höher!
Conditions that offer you the best
Deposit interest
BBVA

3.6% p.a.

Average in Germany

2.28% p.a.

BBVA benefits
1,58x höher!

For €0 you get the following from BBVA:

  • A free-forever current account

    Account with German IBAN and physical and digital debit cards, with no conditions at all.

  • No fees for foreign currencies

    Make purchases and withdraw cash in other currencies with absolutely no surcharges.

  • Fee-free cash withdrawals within the euro area

    Use your debit card to withdraw cash free of charge at all Mastercard ATMs in the euro area starting at €150.

  • Your extra benefit in Spain

    Withdraw cash completely free of charge at all BBVA ATMs, with no minimum amount.

The bank that takes you further

  • Save effortlessly

    Your digital Savings Box with the same interest rate as your current account.

  • Financial flexibility

    Pay&Plan, as well as our overdraft facility and instant loan options, 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.

We are a secure bank

169 years of experience, the most innovative security features, and a European banking license with Spanish deposit protection covering up to €100,000 of your money. So secure that more than 82 million people worldwide already trust us. And our current account has already received lots of awards and positive press, such as a rating of “Very good” from Handelsblatt.

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. Aktuell beträgt dieser 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.