Free current account and debit card. Forever,

Your free current account with 3% 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.
  • Free debit card included, with 3% cashback on your purchases.

BBVA, your secure choice.

  • The global bank with more than 77 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.

 

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% interest p.a.

3% 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.

Up to €63 back on your purchases

  • Make a purchase with your free physical and digital debit card and receive 3% 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

Invest your money securely, with a return of 2% p.a. for 24 months. Can be canceled at any time free of charge.

Recommend BBVA and receive up to €240

  • Invite your friends and receive a credit of €30 for each of the first 8 friends that you refer, a total of up to €240. Those referred receive a credit of €20.
  • To receive your credit, your friends must make a purchase with their debit card within 90 days after opening their accounts.

 

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).

**There is a fee of €2 for cash withdrawals under €150 or in foreign currencies. Additional fees may apply for cash withdrawals at ATMs not operated by Mastercard.

***Das Angebot setzt die erstmalige Eröffnung eines BBVA Girokontos ab dem 01.08.2025 voraus und gilt für die ersten 6 Monate nach Kontoeröffnung.

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.

For the first 6 months after you have opened your account, the gross interest rate is 3% p.a. Nach diesen ersten 6 Monaten wird für eine Frist von 5 Jahren ab Kontoeröffnung eine Verzinsung gewährt, deren Bruttosatz nie mehr als 25 Prozentpunkte unter dem Einlagefazilitätssatz der EZB liegen kann. 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/.

****Das BBVA Cashback-Angebot setzt die erstmalige Eröffnung eines BBVA Girokontos ab dem 01.08.2025 voraus und läuft für 6 Monate ab Kontoeröffnung.

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 €10.50.

The following are excluded from cashback: charges from financial institutions or banks, cryptocurrencies, arcades or betting shops, payments to debt collection agencies, cash withdrawals from ATMs, fees from financial institutions (PayPal etc.).

Open an account