Free current account and debit card, free forever

3.75% interest p.a. and the flow of a digital bank

  • Free-forever current account that earns you interest.
  • 3.75% interest p.a. for 6 months, paid out monthly.
  • Automatic and permanent variable interest rate, which is currently 2.5% p.a.

Discover 100% digital banking and the security of a European bank with 169 years of experience.

Deine Vorteile bei der DigitalBank-Bank ab Tag 1

  • 3.75% interest p.a. on money in your current account

    Open a free-forever and interest-bearing current account in minutes. The process is completely online. For 6 months you receive 3.75% interest p.a., which is paid out monthly. No conditions necessary, such as a payroll deposit or minimum balance requirements.

  • 3.75% cashback when paying with your debit card

    Secure up to €90 cashback in 6 months. The cashback is automatically credited to your account. Top up your account in seconds in the BBVA App and pay directly with your digital debit card to earn cashback.

  • Long-term interest rates after 6 months

    Your balance continues to grow even after the promotional period. You automatically receive a long-term variable interest rate that is currently 2.5% p. a., around 5 times higher than the average in Germany.

For €0 you get the following from BBVA:

  • Free-forever current account that earns you interest
  • Physical and digital debit card
  • No foreign currency surcharge when paying or withdrawing cash worldwide
  • Starting at €150, you get free cash withdrawals with your debit card at all Mastercard ATMs in the eurozone.
  • Extra benefit in Spain and Turkey: Withdraw cash free of charge with no minimum amount

Your security comes first

Our innovative security features protect you and your data, such as a debit card without a printed number, a dynamic CVV and the Discrete Mode.

Real people who are there for you 24/7

Completely digital, yet you are never alone: our customer service with real people is available 24/7 via email, chat (app and website) and via phone. Whenever you need it.

Eine App für alles, was dein Banking braucht

BBVA ist 100 % digital. Du kannst dein Konto in wenigen Minuten eröffnen, dein tägliches Banking direkt in der App erledigen, Spartools nutzen, Kredite beantragen und vieles mehr.

Bis zu 240 € fürs Weitersagen

Du bist mit uns zufrieden? Dann erzähl es deinen Freund*innen. Dafür erhältst du 40 € pro erfolgreich geworbener Person, insgesamt bis zu 240 €.

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.

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

What are you waiting for?

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.