Free current account and debit card. Forever,

Your free current account with 3.5% interest p.a. and with cashback.

  • Your account with automatic, long-term interest rates.
  • No conditions, such as a salary deposit or a minimum balance.
  • Kostenlose Debitkarte inklusive, mit 3,5% Cashback auf deine Einkäufe.

Everything you need in your current account

Free current account, forever

Fee-free, and it stays that way too. Ideal for your daily finances and savings.

Long-term interest rate

After the first 6 months you will a receive a variable interest rate for 5 years as well as information on the current interest rate every 3 months.

3.5% interest p.a.

3.5% interest p.a. on your balance for the first 6 months, with monthly credit.

Monthly interest credit

Automatic interest for balances totaling up to €500,000.With monthly credit and no conditions at all.
Cashback on your purchases

Bis zu 73 € zurück auf deine Einkäufe

  • Make a purchase with your free physical and digital debit cards and receive 3.5% cashback during the first 6 months.
  • The cashback amount will be credited directly to your current account.
  • On purchases, up to €350 monthly, with no minimum purchase, made both online and in store.

More freedom for your finances

Hassle-free cash

Withdraw cash worldwide at ATMs with the Mastercard logo and at thousands of retailers in Germany.

Everything in one app

The intuitive BBVA App is used by over 57 million customers. people.

Savings box with interest in your current account

Up to 5 separate savings goals and intelligent savings rules. Your money is available at any time.

Flexible fixed-term deposit

Securely invest your money with a return of $[p/pro/spa/festgeld] p. a. for $[p/pro/spa/festgeldmonate]. Can be canceled at any time, free of charge.

Recommend BBVA and receive up to €240

  • Invite your friends and receive a total credit of €30 for the first 8 friends that you refer. In total you can earn up to €240. Those who were referred receive a €40 credit.
  • To receive your credit, your friends must make a purchase with their debit card within 90 days after opening their accounts.
BBVA, your secure choice.

BBVA, your secure choice.

  • The global bank with over 80 million customers worldwide and 165 years of history.
  • 100% digital banking with 24/7 personal customer service.
  • Current account with deposit protection up to €100,000 (EU-wide harmonized deposit protection system) and German IBAN.

Experience intuitive and smart banking

  • Your safety first

    Enhanced security features with biometric access, a dynamic CVV and a card without a printed number.

  • Daily Banking

    features that make your banking easier: SEPA instant payment, flexible card management and contactless payment.

  • Intuitive App

    Manage your finances conveniently and easily, directly via the BBVA App.

Open your BBVA current account today!

Free forever. Try it out!

*Deutsche Bundesbank, Banking statistics (2024), Frankfurt am Main, Number of MFIs (Monetary Financial Institutions).

**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.

In den ersten 6 Monaten nach der Kontoeröffnung beträgt der Bruttozinssatz 3,5% 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 2.50% p.a. and will remain at this percentage until Juni 2026 bei 2,75% p. a. 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 €12.25.

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.

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