Free current account and debit card. Forever,

Your free current account with 3% interest p.a. and with cashback.

  • Dein Konto mit automatischer, langfristiger Verzinsung.
  • 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 German IBAN and deposit protection up to €100,000.

 

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 12 months you will 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 12 months, with monthly credit.

Monthly interest credit

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

Bis zu 90 € zurück auf deine Einkäufe

  • Kaufe mit deiner kostenlosen physischen und digitalen Debitkarte ein und erhalte 3% Cashback während der ersten 12 Monate.
  • Der Cashback-Betrag wird monatlich direkt deinem Girokonto gutgeschrieben.
  • Auf Einkäufe bis 250 € monatlich, ohne Mindesteinkauf, sowohl online als auch im Geschäft.

More freedom for your finances

Hassle-free cash

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

Pay in installments with Pay&Plan

Easily split previous purchases into 3 to 12 monthly installments. This way you can stay financially flexible.

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

  • 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.

  • Your safety first

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

Open your BBVA current account today!

Free forever. Try it out!

*Deutsche Bundesbank, Banking statistics (2024), Frankfurt am Main, Anzahl MFIs (Monetäre Finanzinstitute).

**Das Angebot setzt die erstmalige Eröffnung eines BBVA Girokontos ab dem 26.06.2025 voraus und gilt für die ersten 12 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.

In den ersten 12 Monaten nach der Kontoeröffnung beträgt der Bruttozinssatz 3% p. a. Nach diesen ersten 12 Monaten wird das Guthaben für eine Frist von 5 Jahren ab Kontoeröffnung mit einem Zinssatz von 25 % des Zinssatzes für die EZB-Einlagefazilität verzinst. The interest rate is adjusted quarterly. Die Berechnung erfolgt auf Basis des Zinssatzes für die EZB-Einlagefazilität, der am Vortag des neuen Quartals festgestellt wurde. Der aktuelle Einlagefazilitätsatz der EZB kann auf www.ecb.europa.eu eingesehen werden. 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.

Weitere Informationen findest du unter www.bbva.de/en/.

***Das BBVA Cashback-Angebot setzt die erstmalige Eröffnung eines BBVA Girokontos ab dem 26.06.2025 voraus und läuft für 12 Monate ab Kontoeröffnung.

The cashback reward lasts for 12 months beginning with your first transaction with the debit card. The first transaction must be completed within 90 days of opening the account.

Die Vergütung gilt für deine Online- und Offline-Käufe mit der Debitkarte für die ersten 250 € Einkaufswert, was einer maximalen Vergütung von 7,50 € monatlich entspricht.

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.).

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