Free forever current account and debit card

Find out what additional benefits you'll receive from BBVA

Calculate in seconds how much BBVA can save you in fees and what additional compensation you can expect.

At BBVA, the numbers speak for themselves

Free forever current account and debit card, with automatic interest and cashback

  • 3% interest p.a. when opening an account

    Let your money work for you: with 3% interest p. a. for the first 6 months on balances up to €500,000. The interest is credited to your account every month.

  • 3% cashback on your purchases with the debit card

    Pay with your physical or digital BBVA debit card and get 3% cashback directly in your account for 6 months.

  • Long-term interest rates that make your saving worthwhile

    Even after the first 6 months you will continue to benefit from a variable interest rate. Example: After the promotional interest period ends, a gross interest rate of up to 2.5% p.a. will apply until June 30, 2026.

Your everyday benefits

Your daily finances without fees

Free account management with Cash via App, 24/7 customer service, and no minimum deposit or fees for payments abroad.

Your digital Savings Box with smart features

The place for your savings in the BBVA current account. With up to 5 customizable savings goals and smart savings rules.

Interest rate advantage upon receipt of income deposit

When your income is deposited with BBVA, you secure an interest rate advantage after the first 6 months.

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

  • Withdraw cash for free at the checkout in German retail stores, or, starting at €150, at all Mastercard ATMs in the Euro zone. 
  • Pay securely with your card, which comes with a dynamic CVV and no printed number.
  • Manage your card in the App: Set limits and deactivate them at any time.

Save more. Get more out of your money.

Open your BBVA account in just a few minutes. With our free account switching service, we will, upon request, take care of transferring your direct debits, standing orders and incoming payments, simply and without any hassle.

*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.

***The simulator is for informational purposes only and its estimates are non-binding. These are based on the data entered by the user and on the BBVA account's terms and conditions that were in effect at the time of the simulation. The results are non-binding and may change depending on the contract terms and promotional terms and conditions that are currently valid. Current conditions that were taken into account for the estimate: "How we calculate your estimated additional compensation."
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