Depositing money with BBVA: The best option for your everyday life

Depositing cash often involves a special trip to the bank branch, waiting times or limited opening hours. With BBVA, depositing money is easy. You can directly deposit money into your account while shopping at the supermarket or through convenient card payments. You decide which solution is the best fit.

BBVA offers two flexible ways to deposit money into your account:

1. Deposit money using a card from another bank

Do you wish to transfer funds from another account? Instead of a traditional bank transfer, you can simply use this bank's card. Simply enter the amount in the BBVA App, add your card details and confirm, and you're done!

Advantages:

• Convenient card payments instead of bank transfers or online banking
• Immediate credit for the deposited amount
• Ideal for quickly topping up your account

Everyday situations:

• Replenish your Travel Fund: Do you need additional funds in your BBVA current account for a trip you planned with My Trips? Simply top up your account from another bank by making a card payment – ​​quickly and without having to complete a traditional bank transfer.
• Take advantage of BBVA benefits such as cashback or Pay&Plan:  If you want to pay with your BBVA card to take advantage of BBVA benefits, and you don't have enough balance in your BBVA account, you can top it up immediately via card payment.

2. Cash via App in the supermarket

Do you have cash and want to transfer it to your account? With the BBVA App you have the opportunity to deposit cash directly when making a purchase. In the App, select the desired deposit amount, receive a barcode and show it at checkout. Your cash will be immediately credited to your account. Cash via App can also be used to withdraw cash.

Advantages:

• No special trips to the branch or the ATM
• At participating supermarkets such as REWE, toom, dm and Rossmann
• Simple process via the App

Everyday situations:

• Did Grandma give you cash as a gift? You received cash and don't want to leave it at home: Simply deposit it via the BBVA App the next time you shop at the supermarket.
• Digitizing emergency cash: Do you still have cash left over as a reserve at home or in your travel wallet? Take it directly to where you can keep an eye it: to your digital current account.
  

• Cash deposit: You can make deposits between €50 and €999.
• Cash withdrawal: For the cash withdrawal via app service, the first 4 cash withdrawals per month are free, after which a fee of €2 per withdrawal applies.

The total amount of daily withdrawals and deposits are subject to a daily maximum limit of €999 and a monthly limit of €8,000. Example: After a withdrawal of €499, a maximum of €500 can be deposited on the same day.

Security when depositing cash via app (Viacash)

Cash deposits are made via the BBVA App in cooperation with our technology partner Viacash. For us, information security and the protection of personal data are of the highest priority.

• Minimizing the use of personal data: The barcode generated in the App contains no account or customer data, only a pseudonymized transaction reference. Neither account balances nor personal information are visible to the cashiers.
• Careful partner selection: Viacash works exclusively with established retail partners. The connected point-of-sale systems comply with recognized security standards and are regularly checked.
• End-to-end security concept: Barcode generation and deposit confirmation occur solely within the BBVA App. No sensitive personal data is transmitted to the retailer.
• GDPR compliance: BBVA and Viacash process personal data solely in accordance with the General Data Protection Regulation (GDPR) and applicable European data protection requirements.

Security when topping up with a card from another bank

Security is also our top priority when you make digital deposits using a third-party bank card:

• Encrypted data transmission: All card data is processed via PCI-DSS-compliant processes.
• Two-factor authentication: The BBVA App uses modern security mechanisms such as biometric authentication or TAN.
• No permanent storage: You can decide whether you want to use your card details only for this transaction or save them for future transactions.
• Direct authorization: The payment is authorized through the respective bank's systems. This provides additional security.
  

Cash deposits are convenient, but they are also subject to strict legal requirements. The reason for this is the need to fight money laundering and the financing of terrorism.

As a result, banks are obligated to check the origin of the money based on the level of risk – for example, that which is above certain thresholds.

In Germany, proof of origin is generally required for amounts of €10,000 or more. However, in the case of suspicious deposits, the bank may also request appropriate proof even for smaller amounts.

What does that mean for you?

For normal everyday deposits, nothing changes, but for larger amounts you should have supporting documents such as bank statements or sales receipts ready. This transparency protects both the financial system and you as a customer.

Deposits made via the BBVA App are subject to applicable AML (Anti-Money Laundering) guidelines and internal security audits. Even below legal thresholds, BBVA reserves the right to request proof of origin. Usage-based limits also apply in the BBVA App.

With BBVA, you have the choice of either conveniently depositing cash at the supermarket or digitally transferring a balance from another bank card. Both methods are secure, fast, and adaptable to your daily routine.