Attraktive Verzinsung für 6 Monate
Dein Konto mit 3,75 % Zinsen p. a.
- 3,75 % Zinsen p. a. in den ersten 6 Monaten, auf Guthaben bis zu 200.000 €.*
- Compound interest effect thanks to a monthly credit deposited directly in your account.
- Your balance is available at any time.
Eröffne jetzt dein Girokonto in wenigen Minuten!
Starke Zinsen auch nach den ersten 6 Monaten
Your balance continues to grow even after the promotional period. Du bekommst bei uns automatisch eine langfristige variable Verzinsung von aktuell 2,5 % p. a. auf dein Guthaben bis 500.000 €, rund 5x höher* als der Durchschnitt in Deutschland.
Dein Anschlusszins erhöht sich auf 3 % p. a., wenn du eine der folgenden Voraussetzungen erfüllst:
- Dein Gehalt oder deine Rente geht auf dein BBVA Konto ein.
- Oder du erreichst mit deinen BBVA Karten einen monatlichen Umsatz von mindestens 1.500 €.
With your savings account, your balance grows automatically – month after month.
- Eine kostenlose Funktion deines Kontos, mit der du deine Sparziele erreichst.
- Die Verzinsung richtet sich nach der aktuellen Verzinsung des Kontos: in den ersten 6 Monaten 3,75 % p. a. auf Guthaben bis 200.000 € und 2,5 % p. a. auf Guthaben über 200.000 € bis 500.000 €.
- Set up to 5 Savings Goals with your own automatic rules to save effortlessly.
Up to €240 for your referrals
Deine Freund*innen profitieren ebenballs von einer Prämie.***
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.
*Das Angebot setzt die erstmalige Eröffnung eines BBVA Girokontos ab dem 15.09.2026 voraus und gilt für die ersten 6 Monate nach Kontoeröffnung. 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.
**Cash can be withdrawn at all ATMs that accept Mastercard. BBVA does not charge any fees for withdrawals of €150 or more within the Eurozone.
For withdrawals under €150 within the Eurozone, BBVA charges a fee of €2. An allen BBVA‑Geldautomaten in Spanienist die Abhebung ohne Mindestbetrag gebührenfrei.
The fee is also €2 for withdrawals outside the Eurozone. The currency exchange for withdrawals and purchases is fee-free; BBVA applies the official exchange rate without any markup.
Additional fees from the bank operating the ATM may apply.
***The people you refer must open a BBVA current account using your referral code and make a purchase with their BBVA debit card within 90 days of opening their account. Once the purchase is completed, you will receive a reward of €30 (max. €240 in total for a maximum of 8 friends), and the person you invited will receive €40. People against whom BBVA has outstanding and enforceable claims, or referred persons who are or were already BBVA customers, are excluded from the promotion.
More information at bbva.de.