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.

A BBVA current account that allows you to quickly make multiple transactions

  • Free-forever current account and debit card
  • 3.75% interest p.a. and cashback for the first 6 months.
  • After that: long-term variable interest rate, which is currently 2.5% p.a.

Here's how you can easily invite your friends.

  • 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 3.75% interest p.a. on your current account balance

  • You get 3.75% interest p.a. for the first 6 months, on amounts up to €200,000. 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 €90 back!

  • Make a purchase with your free physical and digital debit cards and receive 3.75% cashback during the first 6 months.
  • The cashback amount will be credited directly to your current account on a monthly basis.
  • Up to €400 per month with no minimum purchases, both online and in store.

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.

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, directly in the BBVA App.

  • 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.

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.