Free current account and debit card, free forever
Your free-forever current account, without conditions. With interest for balances up to €500,000. Includes a free debit card and cashback deposited in your account every month.
With BBVA the balance in your current account and Savings Box accrues interest.
- After your initial promotional interest period has expired, you will receive a variable interest rate (e.g. 3% p.a. (for 6 months) you will receive a variable interest rate. This is adjusted every quarter and communicated to you in advance.
- For example: Customers whose promotional interest rate ends in February or March 2026 will receive a gross interest rate of 2% p.a. until March 31, 2026, which currently corresponds to the ECB's deposit rate.
Fee-free physical and digital debit cards for the long-term, and without conditions.
Conveniently withdraw money at all Mastercard ATMS and at thousands of partners in German retail.
On purchases valuing up to €350, credited directly to your current account every month.***
To protect your account, your card does not have a printed number, and it comes with a dynamic CVV.
Open your account in minutes with the BBVA App, save automatically and keep track of your spending at all times – no matter where you are.
Rediscover banking.
In discreet mode, your front camera detects the glances of strangers and hides data such as account balances.
More privacy. More security.
With My Trips you can plan your trips and keep track of your purchases at all times – all conveniently within the BBVA App.
More control. More freedom.
With the BBVA App you can withdraw and deposit cash at participating retail partners in Germany. Just create a barcode and have it scanned at checkout.
Connect your accounts from other banks to the BBVA App and keep track of your finances at all times. It's easy to set up and view.
Because starting together, simply feels better.
The prize money is provided by Mastercard, official sponsor of the UEFA Champions League.
Generate a barcode in the BBVA App for cash deposits at checkout – no minimum purchase required.
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.
Statutory deposit protection up to €100,000 per customer.
Available soon: a special BBVA app that is directly embedded in OpenAI's chat assistant.
*Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions.
More information at bbva.de and in the terms and conditions of participation.
**This offer requires that a BBVA current account be opened for the first time starting on August 1, 2025 or later and is valid for the first 6 months after opening an account.
The annual interest rate is calculated on amounts up to a maximum of €500,000, with no minimum amount. Interest is calculated daily based on your account balance at the end of each day and credited monthly, minus applicable tax deductions.
For the first 6 months after you have opened your account, the gross interest rate is 3% p.a. After these first 6 months, the balance will bear interest at a rate of 25% of the ECB deposit facility rate for a period of 5 years starting on the date that the account is opened. The interest rate is adjusted quarterly. It is currently 2% p.a. and will remain at this percentage through at least March 31, 2026. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. You can view the ECB's current deposit facility rate at www.ecb.europa.eu. The bank will notify the customer of the current interest rate at the beginning of each quarter.
The interest rate is calculated based on the sum of the current account balance and the Sparbox, and is credited every month to the current account.
You can find further information at www.bbva.de/en/.
***The BBVA Cashback Offer requires that a BBVA current account be opened for the first time on August 1, 2025 or later and is valid for the first 6 months after the account is opened.
The cashback reward lasts for 6 months beginning with your first transaction with the debit card. The first transaction must be completed within 90 days of opening the account.
The reward applies to your online and offline debit card purchases for the first €350 in purchase value. This is the equivalent of a maximum monthly reward of €10.50.
The following are excluded from cashback: 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.
