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

For €0 you get the following from BBVA:

  • A free-forever current account

    Account with German IBAN and physical and digital debit cards, with no conditions at all.

  • No fees for foreign currencies

    Make purchases and withdraw cash in other currencies with absolutely no surcharges.

  • Free cash withdrawals within the euro area

    Use your debit card to withdraw cash free of charge at all Mastercard ATMs in the euro area starting at €150.

  • Your extra advantage in Spain and Turkey

    Withdraw cash completely free of charge at all BBVA and Garanti BBVA ATMs, with no minimum amount.

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

  • Get started right away

    Top up your account in minutes and start paying with your card from day one.

  • Account switches made easy

    With our free account switching service, you can activate your new bank account without any bureaucracy or paperwork.

  • There for you 24/7

    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 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 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.

More information at bbva.de.

**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)