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

  • Predictable interest rates with a clear term:

    • Secure your interest rate ranging from 2.60% to 3.40% 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.

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

    • 3% interest p.a. during the first 6 months, then a variable interest rate on your balance totaling up to €500,000.*
    • Monthly interest credit deposited directly in your account.
    • Free-forever current account with debit card.

     

  • 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.

Terms Interest rate
Terms
Term
6 months
Interest rate
Interest rate
2.60% p.a. a. 
Terms
Term
12 months
Interest rate
Interest rate
2.90% p.a. a.
Terms
Term
2 years
Interest rate
Interest rate
3.00% p.a. a.
Terms
Term
3 years
Interest rate
Interest rate
3.10% p.a. a. 
Terms
Term
4 years
Interest rate
Interest rate
3.20% p.a. a.
Terms
Term
5 years
Interest rate
Interest rate
3.40% p.a. a.

Benefit from a long-term interest rate

Receive 3% 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.

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*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 under €10,000. 
  • 2.00% p.a. for an average monthly balance of €10,000 or more. 
  • 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.