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.
Current account comparison calculator
With BBVA, the balance in your current account and Savings Box accrues interest.
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.
Make a purchase with your BBVA debit card, then divide the selected amounts into flexible installments. It's simple and transparent!****
Working with OpenAI, BBVA has integrated the first native finance app directly into ChatGPT.
BBVA App
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.
BBVA App
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.
BBVA App
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.
BBVA App
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.
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.
*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.
interest rate advantage during the first 6 months: For the first 6 months after you have opened your account, the gross interest rate is 3% p.a.
interest after the first 6 months: Your interest rate after the end of the promotional offer (e.g. B. 3% p.a. for 6 months) depends on your average monthly balance and account usage: 1.50% p.a. for an average monthly balance of up to €10,000. 2.00% p.a. for an average monthly balance of more than €10,000. 2.50% p.a. for a monthly income- or pension payment. 2.50% p.a. for monthly payments with your BBVA debit card totaling over €1,500.
The interest rates applicable after the first 6 months are updated quarterly. There is no guarantee that the current conditions will be maintained in the quarters to follow. Regardless, the interest rate is always at least 25% of the ECB's deposit rate. Only payments to the BBVA current account that are marked as income or pension payments with a corresponding transfer key (wage/salary or pension) are considered income or pension payments. Transfers from one's own account and transfers from private individuals are not taken into account. Every payment made with the BBVA debit card is considered a card transaction.
The following are excluded: fee-related BBVA debit card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.
***Cashback promotion: The BBVA Cashback Offer requires that a BBVA current account be opened for the first time. It lasts for 6 months starting on the date the account is opened.
3% cashback: 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.
More information at bbva.de.
****0% interest p.a. the first time you split a payment into installments with Pay&Plan. Only for BBVA customers with Pay&Plan Limit. The first purchase must be paid in installments within 2 years of signing the Pay&Plan contract. Pay&Plan's terms and conditions apply.
More information at bbva.de.
Representative example according to § 17 PAngV: With a net loan amount of €70, a term of 7 months, and a fixed interest rate of 11.99% p.a., a. the annual percentage rate will be 12.45% p.a. Repayment is made in six equal monthly installments of EUR 10.40 each (if the product is acquired on April 11, 2026 ). April 11, 2026, the first installment would be €10.14). The total amount to be paid by the consumer is €72.54. For the first split purchase, the debit interest rate is 0% p.a. The lender is BBVA, German Branch, Neue Mainzer Str. 28, 60311 Frankfurt am Main.
