Free current account and debit card, free forever

Your current account with 3% interest p.a. and 3% cashback

Your free forever current account with interest and cashback into your account every month, including a fee-free debit card. Everything in one account. Everything without conditions. And that's just the beginning.

Your finances – smart and simple

  • You will receive 3% interest p.a. for the first 6 months, then a continuous, variable interest rate for 5 years. No conditions and available for amounts up to €500,000.With a monthly credit directly into your account.
  • Your BBVA current account comes with a German IBAN and everything you need for your daily finances, including a debit card that's free forever. Without conditions such as salary deposit or holding a minimum balance, and no hidden fees.
  • We give you 3% cashback on your purchases within the first 6 months after you've opened your account, up to €350 in total purchases each month, Pay with your physical or digital BBVA debit card and have your cashback credit deposited directly into your account every month.

Your global bank

As a global bank with an 165-year history and a presence in more than 25 countries, we offer smart and fair banking solutions for everyone, making everyday life easier. 100% online, yet we still have people who are there to support you at any time.

For limited time only, get 0% interest on your installment payments!

With Pay&Plan, you can split your purchases during the promotion period into flexible installments – all at 0% interest.*
  • Apply for Pay&Plan before using it, and be sure to take advantage of the service within the promotion period.
  • 0% interest p.a. during the promotion period lasting from November 24, 2025 until January 10, 2026.
  • Applies to purchases with a minimum value of €50, up to a total sum of €300. You can bundle up to 5 payments (minimum purchase value of €50 per purchase) into one Pay&Plan transaction.

 

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., the effective annual interest rate is 12.45% p.a. Repayments are made in six equal monthly installments of €10.40 each (if the product is acquired on April 11, 2026, the first installment would be €10.14). The total amount to be paid by the consumer is €72.54. The lender is BBVA, German Branch, Neue Mainzer Str. 28, 60311 Frankfurt am Main. The example was calculated assuming that the customer requested the installment payment on the first day of the month in question. The APR depends on the amount of the loan and the number of days that elapse between the date of the loan request and the repayment date.

Finance your projects

Take advantage of the BBVA instant loan with a transparent and favorable interest rate.
  • Apply for €3,000 to €10,000 ** and receive an immediate credit following bank approval based on your creditworthiness.
  • Complete the application entirely online with just one click, without activation or cancellation fees.
  • Convenient repayment in 12 to 96 monthly installments.

Everything you need for your online banking

Daily Banking

Features for easier banking: SEPA instant payment, flexible card management and contactless payment.

 

Continue to Daily Banking

Intelligent Banking

Stay in control of your finances with the Savings Box, Expense Analysis, Multibanking and My Trips.

 

Continue to Smart Banking

Flexible Financing

Pay for your purchases in installments with Pay&Plan and find out more about our overdraft facility and instant loan.

 

Continue to Flexible Financing

Safe, always and everywhere

Your money is safe with us. With dynamic CVV, biometric recognition, and no printed card number.

 

Continue to Security

Let your money work for you

With the Savings Box, you can save at your own pace, directly through your BBVA current account.

3% interest p.a.

The interest rate for your Savings Box is based on the up-to-date interest rate of the current account.

Everything in one account

The Savings Box is part of your free current account. You don't need an additional savings account.

Save automatically

Up to 5 savings goals and intelligent savings rules to help you bring your projects to life.

Mitspielen und mitfiebern

  • Mit deiner BBVA Mastercard® Debitkarte zahlen und Chance auf Tickets für das UEFA Champions League Finale 2026 in Budapest sichern.
  • Kein Mindestbetrag erforderlich – jede Zahlung zählt! Gewinnspiel startet am 19.01.2026.

Der Gewinn wird von Mastercard, offizieller Sponsor der UEFA Champions League, zur Verfügung gestellt.

Up to €303 with BBVA promotions & benefits

Get up to €63 cashback simply by using your BBVA debit card. And if you also invite your friends, you can receive up to €240 extra. Because starting together, simply feels better.
Your new digital bank is here: BBVA!

Your new digital bank is here: BBVA!

Deposit cash – and do it for free!

Only until January 31, 2026: Conveniently deposit cash into your account at retail stores, and with no fees. The deposit fee of 1.4% will only apply starting on February 1, 2026.

Welcome to the Help section!

The Help Area is where you can quickly and easily find answers, helpful information about our products, functions and services, and immediate assistance for urgent issues – simple, easy and 24/7.

Our benefits

Join us!

24/7 customer service

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.

Your money is safe

Statutory deposit protection up to €100,000 per customer.

Everything in one app

The intuitive BBVA App is used by over 60 million customers. people.

Open your BBVA current account today!

Free forever. Try it out!

*The 0% interest with Pay&Plan offer is valid starting from November 24 2025 until January 10, 2026. 2026. Applies to purchases up to a total of €300 that were paid in installments during the promotion period. Only for BBVA customers with Pay&Plan Limit. Pay&Plan's terms and conditions apply.

To use Pay&Plan, you must have a BBVA current account. The bank reserves the right to decide, at its sole discretion, whether it will offer you the option to pay in installments for a specific purchase made with Pay&Plan. They base this decision on your creditworthiness.

Only those purchases marked in the BBVA App with a minimum value of €50 and made less than 90 days ago can be financed via Pay&Plan. You can repay in monthly installments ranging from 3 to 12 months. A fixed debit interest rate of 11.99% p.a. applies when using Pay&Plan, regardless of the amount and term of the installment loan. Since all installments of the Pay&Plan service are always debited on the fifth day of each month (calculated based on the last day of the previous month), the effective annual interest rate varies depending on the day of the month on which the customer activated each installment payment.

For further information consult the European Standard Information for Consumer Credit: Pay&Plan Credit Line.

The amount of the possible credit limit of up to €10,000 depends on the individual creditworthiness of the customer and their income being deposited into an account managed with us.
Open an account
Beende das Jahr mit einem Highlight:
Get 3% p. a. und 3% Cashback für 6 Monate
Get 3% p. a. und 3% Cashback für 6 Monate