Refer a friend

Recommend BBVA and receive up to €240

  • Invite your friends and receive a credit of up to €240 to your account as a reward.
  • The referred customers also receive a credit of €40 once they make a payment for the first time with their BBVA debit card. No minimum amount required.

Bringing your friends on board is easy. This is how it works:

  • Share the code directly with your friends via the app, WhatsApp, email or SMS.
  • Your friends must open a BBVA current account by entering your code and making a purchase with their debit card within 90 days - no minimum purchase required.
  • As soon as your friends make a purchase via their account, they’ll receive €40 as a thank you. You’ll also get your €30 reward.

The more friends you invite, the more bonuses you’ll earn from BBVA.

Also benefit from 3.5% interest p.a. on your current account balance

  • You will receive 3.5% interest p.a. for the first 6 months, on amounts up to €500,000. With a monthly credit directly into your account.
  • Followed by ongoing variable interest that is guaranteed for 5 years. Information about the current interest rate is provided every 3 months.
  • No salary deposits or minimum balance required.

Cashback from BBVA: Get up to €73 back!

  • Make a purchase with your free physical and digital debit card and receive 3.5% cashback during the first 6 months.
  • The cashback amount will be credited directly to your current account on a monthly basis.
  • Up to €350 per month with no minimum purchases, both online and in store.
BBVA, your secure choice.

BBVA, your secure choice.

  • The global bank with 80 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.

*Deutsche Bundesbank, Banking statistics (2024), Frankfurt am Main, Number of MFIs (Monetary Financial Institutions).

**This offer requires that a BBVA current account be opened for the first time starting on August 1, 2025 or later 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.

In den ersten 6 Monaten nach der Kontoeröffnung beträgt der Bruttozinssatz 3,5% 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. It is currently 2.50% p.a. and will remain at this percentage until Juni 2026 bei 2,75% p. a. 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 €12.25.

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.

Open an account