Free current account and debit card. Forever,

Up to €113 cashback during the first 6 months

  • Zahle mit deiner BBVA Debitkarte und erhalte automatisch echtes Geld zurück auf dein Konto.
  • Für die Mehrzahl deiner Einkäufe gültig, kein Partnerprogramm oder Punktesystem.

Eröffne jetzt dein kostenloses Girokonto mit 3% Zinsen p. a. für 6 Monate, auf Guthaben bis zu 500.000 €.

This is how you can secure up to €113

  • Open your free BBVA current account in just a few minutes, completely online. No income deposit or minimum balance required.
  • Simply use your BBVA debit card for your daily purchases and receive up to €60.50 cashback directly in your account.
  • Over the next 5 months you can get an additional €52.50 cashback for your purchases with the BBVA debit card.

Up to 2.50% interest per annum for your loyalty

With BBVA, the balance in 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% 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 2.50% p.a. until June 30, 2026, depending on their average balance, received income, and card usage.
  • Die aktuellen 2,50% Zinsen p. a. gehören zu den attraktivsten Angeboten am Markt – etwa 5,8-mal höher als der aktuelle Durchschnitt in Deutschland.

Profitiere außerdem von der Verzinsung deines Girokontos

3% p.a. aufs Girokonto, ganz automatisch

Für die ersten 6 Monate auf Guthaben bis 500.000 €.

Information über aktuellen Zinssatz alle 3 Monate

Example: Kund*innen mit Aktionsende im Februar 2026 erhalten bis 30.06.2026 2,50% p. a.

Interest that lasts

Nach den ersten 6 Monaten erhältst du 5 Jahre lang eine variable Verzinsung.

Credit? Automatically credited.

Die Zinsen werden jeden Monat direkt deinem Konto gutgeschrieben.

Up to €240 for your referrals

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

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.

  • Hassle-free cash

    At Mastercard ATMs worldwide, and in German retailers.

  • Master your finances

    With intelligent app features such as Expense Analysis and Multibanking.
BBVA, your secure choice.

BBVA, your secure choice.

  • The global bank with more than 79 million customers 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.

*Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions.

More information at bbva.de and in the terms and conditions of participation.

**This offer requires that a BBVA current account be opened 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.

For the first 6 months after you have opened your account, the gross interest rate is 3% 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. 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 €10.50.

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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