Free current account and debit card

Your free current account with 3% interest p.a. added to your balance

  • No hidden terms and conditions such as needing to pay in a paycheck or holding a minimum balance.
  • Your account with automatic, long-term interest rates.
  • Your debit card will be free forever, and offers an attractive 3% cashback on daily purchases.

Your BBVA current account benefits

Free current account, forever

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

Debit card

We will always be free and digital. Of course, you will also receive a physical card made from 100% recycled plastic.

3% interest p.a.

3% interest p.a. on your balance for the first 12 months, with monthly credit.

Cashback

3% cashback during the first 12 months on all your online and offline purchases up to €250. Credited directly to your current account each month.

How to benefit from ongoing interest

  • You will receive 3% interest p.a. for the first 12 months, on amounts up to €500,000. With a monthly credit directly into your account.
  • followed by ongoing interest with information about the current interest rate every 3 months.
  • We make everything easy for you. Your interest rate is calculated automatically.

 

The debit card for everything: flexible, secure, and accessible

  • Free cash withdrawals starting at €150 at all Mastercard ATMs within the EU.
  • Pay for purchases in monthly installments with Pay&Plan.
  • Pay securely with your card, without a printed number and with a dynamic CVV.

 

BBVA, your secure choice.

  • The global bank with more than 77 million customers worldwide and 165 years of history.
  • 100% digital banking with 24/7 personal customer service.
  • Current account with German IBAN and deposit protection up to €100,000.

 

Up to €90 back on your purchases

  • Make a purchase with your free physical and digital debit card, and receive 3% cashback during the first 12 months.
  • The cashback amount will be credited directly to your current account.
  • On purchases up to €250 monthly, with no minimum purchase, made both online and in store.

Recommend BBVA and receive up to €240

  • Invite your friends and receive a credit of €30 for the first 8 friends that you refer, with the possibility to earn up to €240 in total. Those refered receivea credit of €20.
  • To receive your credit, your friends must make a purchase with their debit card within 90 days after opening their accounts.

 

By your side from the beginning

  • Easily open your account online

    Open your free current account in just a few minutes.

  • Access all features via the BBVA app

    Simple and intuitive use, for effortlessly managing your everyday life.

  • 24/7 telephone customer service

    German-speaking customer support is available 24/7. Our English-speaking customer support team is available by phone each day from 7 am to 9 pm.

Open your BBVA current account today!

Free forever. Try it out!

*Deutsche Bundesbank, Banking statistics (2024), Frankfurt am Main, Number of MFIs (Monetary Financial Institutions).

**This offer requires that a BBVA current account be opened for the first time starting on June 26, 2025 or later and is valid for the first 12 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 12 months after you have opened your account, the gross interest rate is 3% p.a. After these first 12 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. 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 June 26, 2025 or later and is valid for the first 12 months after the account is opened.

The cashback reward lasts for 12 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 €250 in purchase value. This is the equivalent of a maximum monthly reward of €7.50.

The following are excluded from cashback: charges from financial institutions or banks, cryptocurrencies, arcades or betting shops, payments to debt collection agencies, cash withdrawals from ATMs, fees from financial institutions (PayPal etc.).

Open an account