Free current account and debit card. Forever,
Your current account with 3% interest p.a. and 3% cashback for 6 months
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Free forever, with no income deposit or minimum balance required.
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Free physical and digital debit cards included.
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Interest on balancesup to €500,000.
Now get 10% extra cashback
- Secure up to €50 extra cashback on your purchases in the first month with your physical or digital BBVA debit card.*
- The amount is transferred directly to your account.
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.
The debit card that rewards you for shopping
- Make a purchase with your free physical and digital debit cards and receive 3% cashback during the first 6 months.
- The cashback amount will be credited directly to your current account every month.
- Up to €350 per month on purchases, with no minimum purchase, both online and in store.
Long-term interest rates that make your saving worthwhile
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) you will receive a variable interest rate. This is adjusted every quarter and communicated to you in advance.
- For example: Customers whose promotional interest rate ends in February or March 2026 will receive a gross interest rate of 2% p.a. until March 31, 2026, which currently corresponds to the ECB's deposit rate.
Your benefits for €0
- Free account management with no minimum deposit.
- Cash via App.
- Pay abroad without any fees.
- 24/7 customer service.
Secure up to €353 now with BBVA!
- 10% extra cashback during the first month for accounts opened by April 7, 2026.*
- 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.
*Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions.
More information at bbva.de and in the terms and conditions of participation.
**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.
For the first 6 months after you have opened your account, the gross interest rate is 3% p.a. After these first 6 months, the balance will bear interest at a rate of 25% of the ECB deposit facility rate for a period of 5 years starting on the date that the account is opened. The interest rate is adjusted quarterly. It is currently 2% p.a. and will remain at this percentage through at least March 31, 2026. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. You can view the ECB's current deposit facility rate at www.ecb.europa.eu. The bank will notify the customer of the current interest rate at the beginning of each quarter.
The interest rate is calculated based on the sum of the current account balance and the Sparbox, and is credited every month to the current account.
You can find further information at www.bbva.de/en/.
***The BBVA Cashback Offer requires that a BBVA current account be opened for the first time on August 1, 2025 or later and is valid for the first 6 months after the account is opened.
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.
