Free current account and debit card. Forever,

Saving has never been easier

  • Your free-forever current account with 3.5% interest p.a. and 3.5% cashback for 6 months.
  • After this you receive an automatic variable follow-up interest rate, which is currently 2.25% p.a.
  • Digital Savings Box with the same interest rate and up to 5 savings goals included in your current account.

For every moment of your journey

  • Current account with 3.5% interest p. a.

    Your current account for everyday life: free-forever, with 3.5% interest p.a. for the first 6 months. After that you get an automatic variable interest rate, which is currently 2.25% p.a.

  • Debit card with 3.5% cashback

    With your BBVA account you receive a physical and digital debit card for free and get up to €73 cashback during the first 6 months. 3.5% cashback on purchases up to €350 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 3.40% 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

Put money aside in your savings account

  • A dedicated area within your current account earning the same 3.5% 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.
BBVA, your secure choice.

BBVA, your secure choice.

BBVA enjoys the trust of over 80 million customers worldwide. Open your account today and get a German IBAN and deposit protection up to €100,000 .

Up to €240 for your referrals

Recommend BBVA and receive a credit directly in your account.
Your friends will also benefit from a reward.

*This offer requires that a BBVA current account be opened for the first time starting on July 1, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.5% 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 2.25% 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 2.25% p.a. without further requirements or 2.75% 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(s) totaling €1,500 or more.

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.

More information at bbva.de.

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 3.5% cashback on online and offline purchases totaling up to €350 in purchase value. This means that you can receive €73 cashback in 6 months. The maximum cashback payment is €12.25 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.