The current account for everyday use

Your daily banking reimagined

  • Free account management, without conditions such as a salary deposit or a minimum balance.
  • 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: 3.5% interest p.a. for 6 months and a variable follow-up interest rate, which is currently 2.25% p.a.

Your BBVA current account benefits

Free forever, and with smart features

Discover the Savings Box with automatic savings rules, expense analysis and multibanking.

Cash

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

Interest and cashback

3.5% interest p.a. on your account balance totaling up to €200,000 during the first 6 months as well as cashback up to €73 over 6 months.

Security

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

The secure BBVA account

We are a secure bank

169 years of experience, the most innovative security features, and a European banking license with Spanish deposit protection covering up to €100,000 of your money. So secure that we are trusted by more than 80 million people worldwide.

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.

BBVA loan

Stay flexible - always

A broken dishwasher, the concert tickets of the year, or a spontaneous holiday bargain: There is much in life that is unexpected. With Pay&Plan, you can get money back from past card payments and split it into installments.

Open your BBVA current account today!

Free forever. Try it out!

*This offer requires that a BBVA current account be opened for the first time starting on July 1, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.5% 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 2.25% 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 2.25% p.a. without further requirements or 2.75% 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(s) totaling €1,500 or more.

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.

More information at bbva.de.

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 3.5% cashback on online and offline purchases totaling up to €350 in purchase value. This means that you can receive €73 cashback in 6 months. The maximum cashback payment is €12.25 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.