Free current account and debit card, free forever

BBVA: BBVA: where your money can do more

  • Your interest-earning current account, free forever.
  • 3.5% interest p.a. on balances up to €200,000 during the first 6 months, paid out monthly.*
  • 3.5% cashback on your purchases during the first 6 months.**

No conditions necessary, such as salary deposit or minimum balance requirements.

Get more out of your savings

  • Good interest over the long-term

    Your current account for everyday life: 100% free and with 3.5% interest p.a. for the first 6 months. After that, you will automatically receive a variable follow-up interest rate, which is currently 2.25% p.a., making it approximately 4.69 times higher than the current average in Germany.*

  • Debit card with 3.5% cashback

    With your BBVA account you receive free physical and digital debit cards and secure up to €73 during the first 6 months. Receive 3.5% cashback on purchases totaling up to €350 per month. Monthly credit directly in your account.

  • Your current account's Savings Box

    Activate your digital Savings Box to separate your savings from your everyday account – with the same interest rate as your current account. Set up to 5 savings goals, use smart savings rules and access your money at any time.

Best banking terms and conditions at the best price

Your benefits at a glance

With your free-forever current account, you also benefit from:
  • Free debit card with physical and digital versions.
  • Innovative security features and card management.
  • Withdraw cash worldwide at Mastercard ATMs.
  • Deposit and withdraw money via app in German retail stores.
  • Instant transfers, direct debits and everything you need for your daily finances.
  • Expense analysis and multibanking for smart financial management.
  • Savings Box with up to 5 savings goals and adjustable savings rules that can be adjusted individually.

 

Open your free-forever current account in just a few minutes!

*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.

***You can find more information on bank interest rates via this link: Savings account deposits made by private households in Germany (monthly)