BBVA: your digital bank

More flow in your daily banking

  • No fees for managing your account and debit card, and no conditions such as a payroll deposit
  • The BBVA App: fully digital and in real time. Make transfers, check your account balance and rely on 24/7 support.
  • Let your money work for you: 3.75% interest p.a. and 3.75% cashback for 6 months, paid out monthly.

Quickly make multiple transactions with the BBVA current account

  • Interest is automatically credited to your current account every month.
  • You automatically receive cashback for your card payments, also with a monthly credit.
  • Your money continues to grow even after the promotional period. You automatically receive a long-term variable interest rate that is currently 2.5% p. a., around 5 times higher than the average in Germany.

Why banking with BBVA feels different

Real people who are there for you 24/7

Our Customer Service team is available 24/7 on all channels. Whenever you need it.

Smart banking tools

With automatic savings rules, expense analysis and multi-banking, we make it easy for you to manage your finances.

Pay with peace of mind

German IBAN, dynamic CVV, card without printed number and full control over your card in the App.

Need cash? With us, it is very straightforward

You can use your debit card to withdraw cash at ATMs and in retail stores.

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.

Traveling with BBVA

The perfect travel companion, too

  • Keep an eye on your travel budget with My Trips and travel tips.
  • Pay securely abroad, and with no fees.
  • Manage your card in the App: Set limits and deactivate them at any time.

Saving with BBVA

Saving money can be easy too

We want to make your finances as easy as possible. With the Savings Box and smart saving rules, it is easier for you to save money. And with the flexible fixed-term deposit, you will accumulate long-term assets under the best conditions.

Stay flexible - always

Saving money can be easy too

A broken dishwasher, the concert tickets of the year, or a spontaneous holiday bargain: There is much in life that is unexpected. Mit Pay&Plan kannst du dir Geld aus vergangenen Kartenzahlungen zurückholen und diese in Raten aufteilen.

Open your BBVA current account today!

Free forever. Try it out!

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.