Free current account and debit card. Forever,

Your current account with 3% interest p.a. and 3% cashback for 6 months

  • Free forever, with no income deposit or minimum balance required.
  • Free physical and digital debit cards included.
  • Interest on balancesup to €500,000.

Money that multiplies. For you.

Interest

3% interest p.a. on your balance for the first 6 months, with monthly credit.

Monthly interest credit

Automatic interest for balances totaling up to €500,000.With monthly credit and no conditions at all.

Long-term interest rate

After the first 6 months you will receive a variable interest rate for 5 years as well as information on the current interest rate every 3 months.

Free current account, forever

Fee-free, and long-term. Ideal for your daily finances and savings.

Current account comparison calculator

Calculate what additional benefits you'll receive from BBVA!

With the free BBVA current account and the BBVA debit card you receive interest on your balance and cashback on your purchases.
Simply enter into our calculator what you currently pay for your account, and discover your potential savings and profit in seconds.

The debit card that rewards you for shopping

  • 3% cashback on your purchases within the first 6 months after you've opened your account, up to €350 in total purchases each month.
  • On your purchases with the physical or digital BBVA debit card.
  • No points system or partner program, just real money deposited directly into your account.

Up to 2.50% interest per annum for your loyalty

With BBVA, the balance in your current account and Savings Box accrues interest.

  • After your initial promotional interest period has expired, you will receive a variable interest rate (e.g. 3% p.a. for 6 months). This is adjusted every quarter and communicated to you in advance.
  • Example: Customers whose promotional interest rate ends in the second quarter of 2026 will receive a gross interest rate of up to 2.50% p.a. until June 30, 2026, depending on their average balance, received income, and card usage.
  • The current interest rate of 2.50% p.a. is among the most attractive offers on the market, approximately 5.6 times higher than the current average in Germany.

Your benefits for €0

With your permanently free checking account and debit card, you also benefit from:
  • Free account management with no minimum deposit.
  • Withdraw cash using Mastercard in German retail stores.
  • Pay abroad without any fees.
  • 24/7 customer service.

Mit deinem BBVA Konto ist Sparen noch einfacher

  • Eine kostenlose Funktion deines Girokontos, die dir hilft, deine Sparziele einfach zu erreichen. Auf dein Sparguthaben erhältst du 3% Zinsen p. a. – mit automatischen Sparregeln.
  • Bis zu 3,20% auf deine Ersparnisse mit dem Flexiblen Festgeld von BBVA. The smart way to get more out of your savings. Discover our new terms and conditions now.

Secure up to €303 with BBVA!

  • 3% cashback on your purchases with the BBVA debit card during the first 6 months.
  • Refer a friend and receive up €240 credit in your account when they join BBVA.

Don't waste any time! Open your free account now and secure all the benefits.

Get started with your BBVA current account!

  • Open your free forever current account in just a few minutes, completely online.
  • With our free account switching service, you get a new bank account, but without any bureaucracy or paperwork.
  • We're always here to assist you: You can reach our German-speaking customer service 24 hours a day, 7 days a week.

*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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