Your daily financial transactions occur through your BBVA current account. With this account, you not only benefit from free account management – you also have a digital grasp of your finances at all times. It's secure, easy to use, and accessible from everywhere.
The benefits of the BBVA current account
- No account management fees: a bank account that's free forever.
- Without conditions, such as having your salary payment deposited every month or maintaining a minimum balance.
- Open your free account online in just a few minutes using the BBVA App.
- Includes a free debit card that's ready for immediate use.
- And the best part: During the first 6 months 3% interest p.a. you get 3% p.a. interest on your balance up to €500,000, and 3% cashback on monthly purchases up to €350.
Your free current account with 3% interest p.a.
Open your BBVA current account in just a few minutes. No account management fees, no hidden costs.
Cash services: flexible and suitable for everyday use
- Cash via App: Deposit or withdraw money at checkout at around 12,000 partners such as REWE, Penny, dm, Rossmann, Aldi and Lidl.
- Get cash with Mastercard for Withdraw cash at the ATM for free (starting at €150) or when paying at the store checkout (with the minimum purchase depending on the partner).*
This is how you open your free current account
Opening an account with BBVA is straightforward and takes no time at all. The first step is to enter your data to register as a BBVA customer. Then you'll participate in a short video call to verify your identity.
1. Registering as a BBVA customer
- Enter your personal data (name, contact details, and phone number).
- Additional information such as date of birth, place of birth and nationality.
- Indicate your address and select your card (digital card available immediately, physical card is optional).
- Economic information (employment, income, tax ID).
- If applicable, enter your referral code and check for current promotions and benefits.
- Set your login credentials (username, password, then the biometric options at a later time).
- Review the contract documents and confirm.
- Summary of all data and completing the registration.
If you begin the registration on your desktop, download the BBVA App (QR code or app store link).
2. Video identification
- Identity verification via video call, directly in the App (no Postident procedure required).
- You will need: valid identification document and a smartphone with a camera.
- Note: For passports or different addresses, an additional proof of address is required (also possible to upload in the App later on).
- Service available daily from 7 am to 1 am.
The BBVA account switching service makes switching accounts easy
Switching to a new bank has never been easier: BBVA's account switching service is 100% online, free and takes care of the work for you, without requiring any paperwork or contact with your old bank.
You yourself decide which direct debits and incoming payments should be transferred, and we will inform your contract partners about your new bank account details. In your online banking we also prepare your current standing orders for an easy transfer.
Upon your request we'll even close your old account and transfer the remaining balance. All of this makes the account switch to BBVA simple, convenient and stress-free.
More than just a free current account
The following overview shows the most important BBVA services, explained with a compact summary and all the benefits at a glance.
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BBVA services
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Benefits
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Verzinsung
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3% p.a. for 6 months, then a variable interest rate on current account and Savings Box; Interest is credited monthly.
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Debit card
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Free Mastercard debit card with dynamic CVV, biometric authentication and app control; usable worldwide.
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Cashback
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Receive the BBVA debit card within the first 6 months. A full refund, not points.
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Smart Banking
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Savings account
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Digital Savings Box with up to 5 savings goals, automatic rules (e.g. rounding function). Your free savings account earns interest like the current account.
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Expense Analysis
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Integrated into the BBVA app; offers an intuitive overview of expenditure categories and transactions.
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Multi-banking
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Manages your accounts in an app interface for a better overview of your finances.
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My Trips
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Options for managing your holiday budget, such as a currency converter and travel tips.
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Flexible Financing
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Installment payment
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With Pay&Plan you can get money back for purchases you've already made – directly in your account and available for your use – then pay it back in installments.
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Instant loan
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Apply for a credit from €3,000 to €5,000 and immediately receive a credit in your account.
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Overdraft facility
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Use your personal overdraft limit if you need to.
You can apply online when opening the account - no paperwork required.
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The approval of the loan and the maximum amount is always subject to prior assessment of the applicant's creditworthiness.
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Customer service
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Call us at +49 69 58 996 454. We are here for you 24 hours a day. With real people – not a bot service. in Germany and from abroad. The cost of the call depends on your rate plan.
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Do you have questions or need support?
Get support from our German-speaking team at any time, any day of the week. Our English-speaking customer service is available every day from 7 a.m. to 9 p.m.
FAQs
More than 79 million people worldwide trust us with their banking. Join us!
Open your BBVA current account in just a few minutes, top it up and use it immediately.
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