Free current account and debit card. Forever,

Get the debit card of the future!

  • The CVV codes change regularly, For greater safety with every purchase.
  • The map shows no card number printed which protects you better from fraud attempts.
  • Open your free checking account and receive the BBVA debit card with dynamic CVV free of charge.

How do dynamic CVVs work?

  • The CVV code is not printed on your card but is generated anew with each purchase.
  • You'll find him directly in the BBVA app or in online banking, when you shop online.
  • After input, the CVV visible only for a short time, and thus protects your payments even better.

Security for your money

No printed card number

The card number, like the CVV, can only be retrieved via the app or online banking. to protect your data.

Simple card management

Activate your card anytime via the app on or off, or limit its functions.

Biometric recognition

With a fingerprint or face recognition, you can access your account securely and easily and authorize transactions.

Fraud prevention

Our 24/7 Monitoring Team identifies possible fraud and protects your transactions.

Your account, your cash—fully automated.

Free. Really. Forever.

Fee-free, and it stays that way too. Ideal for your daily finances and savings.

Interest that lasts.

After the first 6 months you will a receive a variable interest rate for 5 years as well as information on the current interest rate every 3 months.

3,5% aufs Guthaben. Just like that.

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

Credit? Automatically credited.

Automatic interest for balances totaling up to €500,000.With monthly credit and no conditions at all.

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.

Open your BBVA current account – free forever – and start saving today!

What are you waiting for? Try it out!

**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.

Open an account