BBVA: your digital bank
3.75% interest p.a. and the flow of a digital bank
- Free-forever current account with a free debit card
- 3.75% interest p.a. and 3.75% cashback for 6 months each, paid out monthly
- After that: long-term variable interest rate, currently 2.5% p.a.
Discover 100% digital banking and the security of a European bank with 169 years of experience.
Interest-bearing current account
3.75% interest p.a. on your current account balance
Cashback on your purchases
3.75% cashback when paying with your debit card
follow-up interest after 6 months
Long-term interest rates after 6 months
For €0 you get the following from BBVA:
- Free-forever current account that earns you interest
- Physical and digital debit card
- No foreign currency surcharge when paying or withdrawing cash worldwide
- Starting at €150, you get free cash withdrawals with your debit card at all Mastercard ATMs in the eurozone.
- Extra benefit in Spain and Turkey: Withdraw cash free of charge with no minimum amount
BBVA App
Everything a digital bank needs in an app
Von Girokonto und Sparbox über Flexibles Festgeld bis zu Pay&Plan Ratenzahlungen: At BBVA you receive everything you need to manage your daily finances. And all this conveniently, quickly and securely via app.
DigitalBank: a bank, but secure!
- 169 years of experience, with more than 82 million customers in 25+ countries.
- Innovative security: state-of-the-art technology that protects you and your money.
- European Bank: Spanish deposit protection up to €100,000 per customer
- Winner of multiple awards, such as those given by Euro and Handelsblatt for our current account and our app.
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. Currently, this is 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.