Smart savings with BBVA

Fixed-term deposits and more: Save smartly with attractive interest rates

  • Savings offers that suit you:Free current account with interest on balances up to €500,000, integrated Savings Box and flexible fixed-term deposit.
  • Transparent terms and conditions.

Your savings options at a glance

  • Flexible fixed-term deposit

    Predictable interest rates with a clear term:

    • Secure 3% to 3.6% interest p.a.for a fixed period of time.
    • Choose a term between 6 months and 5 years that suits your savings goals.
    • If needed, you can cancel early, and the interest will be adjusted accordingly.

  • Your current account including interest

    Fully compatible with your everyday life, and your money works for you:

    • 3.75% interest p.a. during the first 6 months, then a variable interest rate on your balance up to €500,000.
    • Monthly interest credit deposited directly in your account.
    • Free-forever current account with debit card.

     

  • Your current account's Savings Box

    Save automatically and achieve your goals:

    • Activate your digital Savings Box and keep your savings separate from your daily financial transactions.
    • Set individual savings goals and use intelligent rules such as automatically rounding up on payments.
    • Your savings will accrue interest at the same rate as your current account balance.

Solid fixed-term deposit interest rates for every term

A deposit is possible starting at €500, with a maximum amount of up to €1,000,000. The interest is credited at the end of the respective term.

TermsInterest rate
Terms
Term
6 months
Interest rate
Interest rate
3% p.a. a. 
Terms
Term
12 months
Interest rate
Interest rate
3.25% p.a. a.
Terms
Term
2 years
Interest rate
Interest rate
3.4% p.a. a.
Terms
Term
3 years
Interest rate
Interest rate
3.45% p.a. a. 
Terms
Term
4 years
Interest rate
Interest rate
3.5% p.a. a.
Terms
Term
5 years
Interest rate
Interest rate
3.6% p.a. a.

Benefit from a long-term interest rate

Receive 3.75% interest p.a. on your account balance, up to €500,000 for the first 6 months. Continue to benefit from a variable interest rate, guaranteed for 5 years.

Use your BBVA current account for your daily banking needs and earn monthly interest – without any conditions or additional effort.

Let your money grow every day and join the over 82 million people who do the same!

Legal notice
*This offer requires that a BBVA current account be opened for the first time on September 15, 2026 or later and is valid for the first 6 months after the account is opened. The gross interest rate is 3.75% 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 2.5% 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 2.5% p.a. without further requirements or 3% 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.

**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 3.75% cashback on online and offline purchases totaling up to €400 in purchase value. This means that up to €90 cashback can be credited within 6 months. The maximum cashback payment is €15.00 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.