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.
  • Die Geworbenen bekommen ebenfalls eine Gutschrift von 40 €, sobald sie das erste Mal mit ihrer BBVA Debitkarte zahlen – ohne Mindestbetrag.

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.
  • Sobald deine Freund*innen über ihr Konto etwas gekauft haben, erhalten sie 40 € als Dankeschön. You’ll also get your €30 reward.

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

Earn 3% interest p.a. on your current account balance

  • You will receive 3% 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 €63 back!

  • Make a purchase with your free physical and digital debit card, and receive 3% 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 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.

By your side from the beginning

  • Easily open your account online

    Open your free current account in just a few minutes.

  • Access all features via the BBVA app

    Simple and intuitive use, for effortlessly managing your everyday life.

  • 24/7 telephone customer service

    German-speaking customer support is available 24/7. Our English-speaking customer support team is available by phone each day from 7 am to 9 pm.

*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.

interest rate advantage during the first 6 months: For the first 6 months after you have opened your account, the gross interest rate is 3% p.a.

interest after the first 6 months: Your interest rate after the end of the promotional offer (e.g. B. 3% p.a. for 6 months) depends on your average monthly balance and account usage: 1.50% p.a. for an average monthly balance of up to €10,000. 2.00% p.a. for an average monthly balance of more than €10,000. 2.50% p.a. for a monthly income- or pension payment. 2.50% p.a. for monthly payments with your BBVA debit card totaling over €1,500.

The interest rates applicable after the first 6 months are updated quarterly. There is no guarantee that the current conditions will be maintained in the quarters to follow. Regardless, the interest rate is always at least 25% of the ECB's deposit rate. Only payments to the BBVA current account that are marked as income or pension payments with a corresponding transfer key (wage/salary or pension) are considered income or pension payments. Transfers from one's own account and transfers from private individuals are not taken into account. Every payment made with the BBVA debit card is considered a card transaction.

The following are excluded: fee-related BBVA debit card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

**Cashback promotion: The BBVA Cashback Offer requires that a BBVA current account be opened. It is valid for the first 6 months after this opening. 

3% cashback: 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.

More information at bbva.de.

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