Free current account and debit card. Forever,

Saving money can feel this easy

  • Your free-forever current account with 3.75% interest p.a. and 3.75% cashback for 6 months.
  • Danach automatischer variabler Anschlusszins, aktuell 2,5 % p. a..
  • Digital Savings Box with the same interest rate and up to 5 savings goals included in your current account.

More options for your money

  • Current account with 3.75% interest p. a.

    Dein Girokonto für den Alltag: 100 % und dauerhaft kostenlos, mit 3,75 % Zinsen p. a. für die ersten 6 Monate. Danach automatische variable Verzinsung von aktuell 2,5 % p. a..

  • Debit card with 3.75% cashback

    With your BBVA account, you receive a physical and digital debit card for free and get up to €90 cashback during the first 6 months. 3.75% cashback on purchases up to €400 per month, credited to your account every month.

  • Your Savings Box saves for you

    Activate your digital Savings Box. This allows you to separate your savings from your daily transactions and have them grow at the same interest rate as your account balance. Automatic savings rules help you with this, and you have full access to them at any time.

  • Up to 3.6% p.a. with flexible fixed-term deposit

    Let your savings grow at a fixed interest rate. Choose the term that suits you best – from 6 months to 5 years. You can partially or completely cancel your investment at any time.

Best banking terms and conditions at the best price

Everyday banking transactions, without feesBBVAAverage in GermanyBBVA benefits
Everyday banking transactions, without fees
account management fee
BBVA
free
€0/year
Average in Germany
€69.84/year
BBVA benefits
Save 100%
Everyday banking transactions, without fees
debit card fee
BBVA

free
€0/year

Average in Germany

€17.25/year

BBVA benefits
Save 100%
Conditions that offer you the bestBBVAAverage in GermanyBBVA benefits
Conditions that offer you the best
follow-up interest after 6 months
current account interest
BBVA
2.5% p.a.
Average in Germany
0.5% p.a.
BBVA benefits
5 times higher!
Conditions that offer you the best
Deposit interest
BBVA

3.6% p.a.

Average in Germany

2.28% p.a.

BBVA benefits
1.58 times higher!

Put money aside in your savings account

  • A dedicated area within your current account earning the same 3.75% interest p.a.
  • You can access your balance at any time.
  • To save money effortlessly, set up to 5 savings goals with automatic savings rules.

DigitalBank: a bank, but secure!

  • 169 years of experience, with more than 82 million customers in 25+ countries.
  • Innovative security: state-of-the-art technology that protects you and your money.
  • European Bank: EU deposit protection up to €100,000 per customer
  • Winner of multiple awards, such as those given by Euro and Handelsblatt for our current account and our app.

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.