Free current account and debit card. Forever,

The current account that can do more: 3.5% interest p.a. und 3,5% Cashback für 6 Monate!

  • 3,5% Zinsen p. a. auf dein Guthaben bis zu 500.000 € und 3,5% Cashback auf deine Einkäufe für 6 Monate, ganz automatisch.
  • Free forever, with no conditions. No minimum salary or balance requirements.
  • Free debit card included.

Do you want more for your money?

  • Plus, when it comes to saving,

    • 3.5% 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.

  • Plus, when paying

    • 3.5% cashback on your purchases totaling up to €350 in purchase value every month.
    • 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.

Up to 2.75% interest p.a. for your loyalty

With BBVA, the balance in both 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. 3.5% p.a. for 6 months). This is adjusted every quarter and communicated to you in advance.
  • Example: Customers whose promotional interest rate ends in the second quarter of 2026 will receive a gross interest rate of up to 2.75% p.a. until June 30, 2026, depending on their average balance, payroll deposit, and card usage.
  • The current interest rate of 2.75% p.a. is among the most attractive offers on the market – around 4.69 times higher than the current average in Germany.

Your benefits for €0

With your permanently free checking account and debit card, you also benefit from:
  • Free account management with no minimum deposit.
  • Withdraw cash using Mastercard in German retail stores.
  • Pay abroad without any fees.
  • 24/7 customer service.

The bank that takes you further

  • Save effortlessly

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

  • Financial flexibility

    WithPay&Plan, our overdraft and instant loans help you remain flexible.

  • Flexible fixed-term deposit

    Up to 3.40% on your savings with BBVA's flexible fixed-term deposit.

  • Master your finances

    With intelligent app features such as Expense Analysis and Multibanking.

Recommend BBVA and receive up to €240!

Recommend BBVA and receive a credit directly in your account.
Your friends will also benefit from a reward.

*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.

interest rate advantage during the first 6 months: For the first 6 months after you have opened your account, the gross interest rate is 3.5% p.a.

interest after the first 6 months: Your interest rate after the end of the promotional offer (e.g. B. 3.5% p.a. for 6 months) depends on your average monthly balance and account usage: 

  • 1.50% p.a. for an average monthly balance under €10,000. 
  • 2.25% p.a. for an average monthly balance of €10,000 or more. 
  • 2.75% p.a. for a monthly income- or pension payment. 
  • 2.75% p.a. for monthly payments with your BBVA debit card totaling over €1,500.

The interest rates applicable after the first 6 months are updated quarterly. There is no guarantee that the current conditions will be maintained in the quarters to follow. Regardless, the interest rate is always at least 25% of the ECB's deposit rate. Only payments to the BBVA current account that are marked as income or pension payments with a corresponding transfer key (wage/salary or pension) are considered income or pension payments. Transfers from one's own account and transfers from private individuals are not taken into account. Every payment made with the BBVA debit card is considered a card transaction.

The following are excluded: fee-related BBVA debit card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

**Cashback promotion: The BBVA Cashback Offer requires that a BBVA current account be opened. It is valid for the first 6 months after this opening. 

3.5% cashback: 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.

More information at bbva.de.

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