3.5% interest p.a. +3.5% 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.

Free current account and debit card, free forever

3.5% interest p.a. +3.5% 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.

The digital bank that does more for you

  • More interest

    During the first 6 months you will receive 3.5% interest on a balance totaling up to €200,000. Into your account every month, unconditionally.

  • More cashback

    During the first 6 months you will receive 3.5% of your purchases totaling up to €350, in other words, up to €73 per month, as cashback from us.

  • More long-term interest rates

    After the first 6 months, you will automatically receive a variable follow-up interest rate, which is currently 2.25%.

Best banking terms and conditions at the best price

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.

  • Gebührenfreies Bargeld im Euro-Raum

    Hebe mit deiner Debitkarte an allen Mastercard-Automaten im Euro-Raum kostenlos ab einem Betrag von 150€ ab.

  • Your extra advantage in Spain and Turkey

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

The secure BBVA account

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 sicher, dass uns schon mehr als 82 Millionen Menschen weltweit vertrauen. And our current account has already received lots of awards and positive press, such as a rating of “Very good” from Handelsblatt.

Saving with BBVA

Saving money can be easy too

We want to make your finances as easy as possible. With the Savings Box and smart saving rules, it is easier for you to save money. And with the flexible fixed-term deposit, you will accumulate long-term assets under the best conditions.

Traveling with BBVA

Banking worldwide, just like at home

You can rely on us abroad just as much as you do in everyday life. Plan your trip with My Trips and enjoy your vacation to the fullest, with free cash withdrawals and without foreign currency surcharges*.

BBVA loans

Stay flexible - always

A broken dishwasher, the concert tickets of the year, or a spontaneous holiday bargain: There is much in life that is unexpected. With Pay&Plan, you can get money back from past card payments and split it into installments.

Refer a friend

Recommend us to others

Secure up to €240 for your first 8 referrals. Both you and invited person benefit from the invitation: You receive €30 and the other person receives €40 if the latter makes a purchase within the first 90 days after opening their account. No minimum amount required.

*This offer requires that a BBVA current account be opened for the first time starting on July 1, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.5% 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 2.25% 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. Currently, this is 2.25% p.a. without further requirements, or 2.75% 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.

More information at bbva.de.

**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 3.5% cashback on online and offline purchases totaling up to €350 in purchase value. This means that you can receive €73 cashback in 6 months. The maximum cashback payment is €12.25 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.