BBVA Customer Service

BBVA: Digital banking with individual customer support

  • We are a free direct bank offering simple, secure, and fast transactions.
  • Experience the ease of digital banking without losing the human connection.
  • Our consultants are available by phone 24/7 at +49 69 58 996 454.

By your side from the beginning

Open your account easily and switch hassle-free with our service

Open your free current account online in minutes and enjoy automatic account switching if you choose.

24/7 telephone customer service

Our English-speaking customer support team is available by phone daily from 7 a.m. to 9 p.m., while our German-speaking team is available 24/7.

The BBVA app: Intuitive, accessible, and secure

Manage your finances conveniently and easily, directly via your online banking or on the BBVA app.

Your safety first

Enhanced security features with biometric access, a dynamic CVV and a card without a printed number.

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

  • Withdraw cash for free starting at €150*, at all Mastercard ATMs within the eurozone.
  • Simple card management directly via the BBVA App.
  • Pay securely with your card, without a printed number and with a dynamic CVV.

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.

3.5% interest p.a.

3.5% interest p.a. on your balance for the first 6 months, with monthly credit.

Cashback

3.5% cashback during the first 6 months on your online and offline purchases totaling up to €350. Credited directly to your current account each month.

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 who were referred receive a €40 credit.
  • To receive your credit, your friends must make a purchase with their debit card within 90 days after opening their accounts.
BBVA, your secure choice.

BBVA, your secure choice.

  • The global bank with over 80 million customers worldwide and 165 years of history.
  • 100% digital banking with 24/7 personal customer service.
  • Current account with Deposit protection up to €100,000 (EU-wide harmonized deposit protection system) and German IBAN.

Open your free BBVA current account in just a few minutes.

What are you waiting for? Try it out!

*Cash can be withdrawn at all ATMs that accept Mastercard. BBVA does not charge any fees for withdrawals of €150 or more within the Eurozone. For withdrawals under €150 within the Eurozone, BBVA charges a fee of €2. The fee is also €2 for withdrawals outside the Eurozone. The currency exchange for withdrawals and purchases is fee-free; BBVA applies the official exchange rate without any markup.

Additional fees from the bank operating the ATM may apply.

**This offer requires that a BBVA current account be opened 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 3.5% 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. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. The current ECB deposit facility rate can be viewed 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.

Further information is available 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 €12.25.

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.