Free current account and debit card, free forever

BBVA: BBVA: where your money can do more

  • Your interest-earning current account, free forever.
  • 3% interest p.a. on balances up to €500,000 during the first 6 months, paid out monthly.*
  • 3% cashback on your purchases during the first 6 months.**

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

Your personal advantage with BBVA, in numbers

Enter how much you currently pay for your account and how you use it.
We'll show you in seconds how much you can save and what additional interest and cashback you'll receive.
Award-winning current account

Award-winning current account

Rated “Very good” and “Excellent” by Handelsblatt and €uro, the country’s leading financial experts.

Get more out of your savings

  • Your long-term interest

    Your balance will continue to accrue interest even after the first 6 months. The follow-up interest rate is adjusted quarterly and is currently up to 2.50% p.a., approximately 5.6% higher than the current average in Germany.***

  • 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 using the BBVA App, use intelligent savings rules and access your money at any time.

3% real cashback with your free debit card

Get3% real cashback on your purchases during the first 6 months (up to €350 in purchase value per month) when you pay with your physical or digital BBVA debit card.
No points system – the money is credited directly to your account.

Your benefits at a glance

With your free-forever current account and debit card, you also benefit from:
  • Free debit card (physical & digital).
  • Innovative security features and card management.
  • Cash withdrawals at Mastercard ATMs worldwide.
  • Deposit and withdraw via App at German retailers.
  • 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.

Start now!

1

Open your free forever current account in just a few minutes. The application is completely online.

2

With our free account switching service, you get a new bank account, but without any bureaucracy or paperwork.

3

We're always here to assist you: You can reach our German-speaking customer service 24/7.

*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 under €10,000. 
  • 2.00% p.a. for an average monthly balance of €10,000 or more. 
  • 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.

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