Help

Name: How do you calculate the interest rate on a current account?
Uploaded: 2025-08-06T12:34:00.000Z
Description: Watch video

Welcome to the Help section

Do you have questions or need support? This is where you can quickly and easily find answers to frequently asked questions, helpful information about our products and services, and immediate assistance for urgent issues.

Simply select the appropriate category and find the help you need.

Is everything clear? If not, we can help you.

Frequently Asked Questions
Current account
Aktionen
Emergency Assistance

Yes, you have the option to select a suggested username or enter a custom name in the text field. For security reasons, it is not possible to use the email address as a username, as this can be more easily misused than a specifically defined username.

For security reasons, our system only allows certain characters in passwords. Currently, characters such as @, #, % and & are not accepted.

If you use an automatically generated password, we recommend manually creating a password that meets the following requirements:

At least 8 characters
At least one capital letter
At least one number
No special characters

For cash withdrawals without a physical card, BBVA offers two options in retail stores:

With Cash via App you can easily withdraw cash for free at participating supermarkets. Generate a barcode in the BBVA app, show it at checkout, and withdraw the desired amount.
Cash via App is currently available in Germany at the following retail partners:

Adams
Barbarino
Budni
dm
Eckert
Ludwig
Nkd
On-express
Penny
REWE
Rossmann
toom

You can also withdraw cash for free when paying with your digital debit card at the checkout. A minimum purchase is required, which varies depending on each partner. Simply enter the desired withdrawal amount when you are paying.

You can view your PIN directly in the BBVA app.

You can find an overview under Cards in the BBVA app:

Choose your debit card under “Cards”
Click on “Show data and CVV”
You can access the PIN via the eye symbol

Enter the code you receive via SMS to confirm the transaction. Due to security reasons, the PIN is only visible for 10 seconds.

For security reasons, here at BBVA, we do not print the CVV (security code) and card number on our cards. This means that the card cannot be used fraudulently should you ever lose it.
You can quickly and easily access both pieces of information on the home page of your BBVA app.

Interest is calculated monthly and credited directly to your BBVA current account in the first few days of the following month – less any applicable taxes, depending on your individual situation.
Bitte beachte, dass wenn du dein Konto in den letzten 5 Tagen eines Monats eröffnest, die Zinsen für diese Tage erst im Folgemonat gutgeschrieben werden.

Dazu folgendes Beispiel:

A: Du eröffnest dein Konto am 5. Januar. Die Zinszahlung für den Januar erfolgt in den ersten Februar-Tagen.
B: Du eröffnest das Konto am 30. Januar. Die erste Zinszahlung erfolgt in den ersten Märztagen, wobei die Zinsen vom letzten Januartag und vom gesamten Februar gesammelt auf das Girokonto ausgezahlt werden.

So berechnest du die 3% Zinsen p. a. on your BBVA account: Would you like to know how much interest your balance earns? It's very easy: Multipliziere den jährlichen Bruttozinssatz von 3% Zinsen p. a. with your daily account balance and divide the result by the number of days in the year. This will give you your average daily gross interest amount.

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The interest is paid on the balance of the BBVA current account plus the balance of the online savings account, provided it is active.
Die aufgelaufenen Zinsen werden in voller Höhe dem BBVA Girokonto gutgeschrieben.

Das “Freunde werben”-Programm bietet dir die Möglichkeit, bis zu 240 € Gutschrift zu erhalten, wenn du deine Freund*innen zu BBVA einlädst.

Du bist zufrieden mit deinem BBVA Konto?
Dann lade deine Freund*innen ein und erhalte eine Gutschrift in Höhe von jeweils 30 € für die ersten 8 angeworbenen Freund*innen, insgesamt bis zu 240 €. Those refered receive a credit of €20.

Die Auszahlung der Prämie erfolgt, sobald die Person, die du eingeladen hast, alle erforderlichen Schritte abgeschlossen hat.

Zunächst muss er*sie sich mit deinem Empfehlungscode als BBVA Kund*in registrieren. Anschließend muss er*sie innerhalb von 90 Tagen nach der Registrierung einen Einkauf mit der BBVA digitalen oder physischen Debitkarte tätigen - ein Mindestbetrag ist nicht erforderlich.

Hier noch einmal alle Schritte im Überblick:

Du findest deinen Empfehlungscode in der App im “Menü” unter “Aktionen”
Jetzt teilst du deinen Code mit Freund*innen, Familie oder Kolleg*innen
Die Geworbenen nutzen deinen Code bei der Kontoeröffnung und schließen diese erfolgreich ab
Die geworbenen Person führt eine erste Transaktion mit der BBVA Karte aus (ohne Mindestbetrag)
30 € werden dir auf dein Girokonto gutgeschrieben und auch die geworbene Person erhält 20 € auf ihr BBVA Girokonto

Das Cashback von BBVA ist ein Belohnungssystem, bei dem du einen bestimmten Prozentsatz des ausgegebenen Betrags beim Einkaufen zurück bekommst - das gilt für Zahlungen mit der physischen und digitalen Debitkarte. Das heißt, du bekommst keine Punkte oder Ähnliches, sondern echtes Geld auf dein Girokonto zurück.

The cashback is automatically activated when the BBVA debit card is used for the first time. The first transaction must be completed within 90 days of opening the account.

Für Kund*innen, die seit dem 01.08.2025 ein Konto eröffnet haben, werden ab der ersten Transaktion 3% der mit der Debitkarte getätigten Ausgaben auf das BBVA Girokonto gutgeschrieben – bis zu einem monatlichen Einkaufs-Höchstbetrag von 350 €. So kann man bis zu 10,50 € pro Monat zurückerhalten.Hierbei handelt es sich um ein Aktionsangebot. Deine eigenen Cashback-Konditionen kannst du jederzeit unter "Aktionen und Vorteile" in deiner App oder im Online-Banking abrufen.

Excluded from cashback are:

Gebühren von Finanzinstituten (PayPal, Satispay usw.)
Glücksspiel
Kryptowährung
Zahlungen an Inkassobüros
Cash withdrawals

Der angesammelte Cashback-Betrag wird direkt deinem Girokonto gutgeschrieben. Die Gutschrift erfolgt monatlich, jeweils an dem Kalendertag, an dem das Cashback erstmals aktiviert wurde. Fällt der Termin auf ein Wochenende oder einen Feiertag, so erfolgt die Gutschrift am nächsten Werktag.

Example: Dein Cashback wurde am 16. eines Monats aktiviert, also erfolgt die Gutschrift jeweils am 16. der Folgemonate (oder am nächsten Werktag).

Keine Sorge, es kann einige Zeit dauern, bis das Cashback für den Kauf angezeigt wird. Bitte gib uns etwas Zeit und überprüfe einen Tag später noch einmal deine Kartenzahlungen entweder im Girokonto oder im Bereich ‘Debitkarte’. Dein Einkauf sollte dann einen Zusatz ‘3% Cashback’ anzeigen. So siehst du ganz einfach, welche Einkäufe für das Cashback berücksichtigt wurden.

First, you need to block your card in your online banking at bbva.de, via the BBVA app, or the BBVA hotline at +49 69 58 996 454. You can choose one of these two options:

Block card:

If you block your card, you will receive a new card with the same contract and the same PIN as the old one. However, this new card has a different PAN (Primary Account Number) and does not show the blocked card's previous transactions.

Card on/off:

You can also temporarily deactivate your card and reactivate it later. This allows you to limit the use of the card without having to permanently block it or apply for a new card.
To ensure that all your transactions are correct, please review your account and card transactions. If you notice anything suspicious, send a fraud report via your personal area on bbva.de, via the BBVA app, or call the BBVA hotline at +49 69 58 996 454.

In order to increase the security of your account and prevent possible fraud, you can deactivate active push notifications. In this case, security notifications will no longer be sent via text to your phone when you execute a process.
Remember: When you get your device back, you can access the app again using your login credentials.

If you suspect someone has access to your data, change your password immediately to protect your account.

You can change your password as follows:

Change your password by clicking on this link.
Call the BBVA hotline at +49 69 58 996 454.

If you create a new password, the old one will become invalid.

To ensure that all your transactions are correct, please review your account and card transactions. If you notice anything suspicious, you can contact BBVA via your online banking at bbva.de, the BBVA app, or the BBVA hotline at +49 69 58 996 454.
Finally, we recommend that you check whether your personal data and contact details are correct.

BBVA will block your card if a security breach is detected. This is done to prevent fraudulent transactions. You may not notice any unusual activity, but we know that your card details have been compromised and have blocked your card for your security.

We will automatically send you a new card via the address you provided.

If you urgently need the card, you can contact BBVA via your online banking at bbva.de, the BBVA app, or the BBVA hotline at +49 69 58 996 454.

At BBVA, we temporarily block your card if we detect unusual behavior and suspect that your login credentials have fallen into the hands of third parties. To ensure the security of your account, we restrict all card transactions in such cases by blocking online and store purchases.

In order to securely reactivate your card, you can contact BBVA via your online banking at bbva.de, the BBVA app, or the BBVA hotline at +49 69 58 996 454.

If we detect suspicious online transactions, we will temporarily block your ability to make online purchases for security reasons. You can continue to use your card in stores.

If the suspicious transaction was not made by you, the card will be permanently blocked and a new card will be sent to the address you provided to us.

However, if there is no risk because you carried out the transaction yourself, the card will be reactivated.

In order to securely reactivate your card, you can contact BBVA via your online banking at bbva.de, the BBVA app, or the BBVA hotline at +49 69 58 996 454.

We have detected an access attempt from an unusual location. For security reasons, we will inform you about the access attempt and ask you to tell us whether you have accessed your account yourself or whether someone else is trying to gain access.

If you have not logged in, please change your online banking password immediately in order to protect your account. As soon as you create a new password, the old one will become invalid.

You can change your password via one of these options:

Change your password by clicking on this link.
Call the BBVA hotline at +49 69 58 996 454.

To ensure that all of your transactions are correct, please review the most recent ones made via your account and cards. Should you notice a suspicious transaction, please report the suspected fraud via your online banking at bbva.de, the BBVA app, or the BBVA hotline at +49 69 58 996 454.

Finally, we recommend that you check whether your personal data and contact details are correct.

If you notice a transaction that you do not recognize, report the suspected fraud via your online banking, the BBVA app, or our customer service at +49 69 58 99.

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Help

Welcome to the Help section

Is everything clear? If not, we can help you.

Can I choose my own username?

Why can't I use special characters in my password?

How can I withdraw cash without having the physical card?

Where can I find the PIN for the card?

The BBVA card does not have any printed numbers such as a security code or card number. Where can I quickly access this data?

When will the interest be paid out?

How are interest rates calculated?

Is the BBVA current account balance the only one that earns interest?

Was ist das “Freunde werben”-Programm und wann erhalte ich meine Prämie?

Welche Bedingungen müssen erfüllt sein, damit meine Freund*innen und ich die Prämie erhalten?

What is cashback, and how does it work?

Wann wird mein Cashback gutgeschrieben?

Ich habe gerade eine Zahlung durchgeführt, sehe aber das Cashback nicht auf meinem Konto. Was soll ich tun?

My wallet was stolen or I lost it.

My phone was stolen or I lost it.

Someone has gotten a hold of my login credentials.

BBVA has blocked my card.

BBVA has temporarily blocked my card.

BBVA has blocked online purchases with my card.

BBVA has detected an access attempt from an unusual location.

I want to report a case of fraud.