Free current account and debit card, free forever

Your current account with 3% interest p.a. and 3% cashback for 6 months

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

Calculate what additional benefits you'll receive from BBVA!

With the free BBVA current account and the BBVA debit card you receive interest on your balance and cashback on your purchases.
Simply enter into our calculator what you currently pay for your account, and discover your potential savings and profit in seconds.

Your finances – smart and simple

  • Long-term current account interest

    You will receive 3% interest p.a. for the first 6 months, then a variable interest rate for 5 years, with monthly credit directly in your account.*

  • Free current account, forever

    Your BBVA current account comes with everything you need for your daily finances, including a free debit card. No conditions, such as a salary deposit.

  • Get even more from your money

    With the BBVA Savings Box, you automatically save at your own pace with the same interest rate as your current account. Everything goes directly in your account.

Up to 2.50% interest per annum for your loyalty

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). This is adjusted every quarter and communicated to you in advance.
  • Example: Customers whose promotional interest rate ends in the second quarter of 2026 will receive a gross interest rate of up to 2.50% p.a. until June 30, 2026, depending on their average balance, received income, and card usage.
  • The current interest rate of 2.50% p.a. is among the most attractive offers on the market – approximately 5.8 times higher than the current average in Germany.

The BBVA debit card: simple, secure and free

Permanently free

Fee-free physical and digital debit cards for the long-term, and without conditions.

Continue to Debit Card

Hassle-free cash

Conveniently withdraw money at all Mastercard ATMS and at thousands of partners in German retail.

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3% cashback during the first 6 months

On purchases up to €350, credited directly to your current account every month.**

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Dynamic CVV

To protect your account, your card does not have a printed number, and it comes with a dynamic CVV.

Continue to Dynamic CVV

Get more out of your savings with BBVA's flexible fixed-term deposit

The smart way to get more out of your savings. Discover our new terms and conditions now.

First use of Pay&Plan installment payments is now interest-free

Make a purchase with your BBVA debit card, then divide the selected amounts into flexible installments. It's simple and transparent!***

  • Starting at €50, you can finance online and offline purchases from the last 3 months.
  • Choose a repayment period from 3 to 12 months. The first use of Pay&Plan is interest-free - regardless of the number of months.
  • All that's required is You are already a BBVA customer. Please note that you must have a payment framework that's been approved by the bank.
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.

BBVA now in ChatGPT

Working with OpenAI, BBVA has integrated the first native finance app directly into ChatGPT.

  • Open the app in ChatGPT and discover our products intuitively. It's as easy as having a conversation.
  • Ask us about accounts, cards, investments or our services and make informed decisions.

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.

BBVA App

Your pace, your bank – flexible and mobile

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

Enough with curious glances

In discreet mode, your front camera detects the glances of strangers and hides data such as account balances.

More privacy. More security.

BBVA App

Stay in control of your budget with My Trips

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

Cash via App, right at checkout

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

All your banks in the 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.

€0 BBVA current account without conditions

€0 BBVA current account without conditions

Everything you need for your online banking

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

*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. It is valid for the first 6 months after this opening. 

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.

***Starting on March 8, 2026, you'll get 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.

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