Money back from BBVA

Cashback on your purchases: Real money deposited into your account

  • Make everyday purchases with your BBVA debit card and get your money back. No points system.
  • 3.5% cashback during the first 6 months, on purchases totaling up to €350 per month.*
  • Valid for purchases with your free debit card, both online and in store.

3.5% cashback to get you started – directly in your account

  • 3.5% cashback during the first 6 months after opening your account, on purchases made with your physical and digital BBVA debit cards totaling up to €350 per month.*
  • The cashback reward begins with the first transaction you make using the debit card. This must be done within 90 days of opening the account.
  • Simply open your free forever BBVA current account and benefit from appealing cashback during the first 6 months.

Travel cashback: 5% off your on-the-go purchases

  • If you have taken out BBVA travel insurance, you will receive cashback on your purchases during your trip.
  • 5% cashback on purchases with your physical and digital BBVA debit cards, up to €300 in transactions.
  • Insure your trip with BBVA and Chubb and benefit from further advantages.

 

Benefit from interest on your current account

  • Your free forever account with  3.5% interest p.a. on balances up to €200,000.
  • Without conditions: No minimum salary or balance requirements.
  • After the first 6 months, your balance up to €500,000 will receive automatic variable interest, which is currently 2.25% p.a.***

Recommend BBVA and receive up to €240

  • Invite your friends and receive a total credit of €30 for the first 8 friends that you refer. In total you can earn up to €240. Those who were referred receive a €40 credit.
  • To receive your credit, your friends must make a purchase with their debit card within 90 days after opening their accounts.

Everything for your daily banking

  • Money withdrawal from Mastercard ATMs worldwide.
  • Conveniently manage your card via the BBVA app.
  • Real-time transfers and pay on the go with digital wallets.

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Any questions?

*The BBVA cashback offer requires that a BBVA current account be opened and is valid for the first 6 months after making the first card payment. To receive cashback, you must make your first payment with the BBVA debit card within 90 days of opening your account.

With the BBVA debit card you receive 3.5% cashback on online and offline purchases totaling up to €350 in purchase value. This means that you can receive €73 cashback in 6 months. The maximum cashback payment is €12.25 per month.

No cashback is awarded for payments related to financial services and banks, cryptocurrencies, gambling and betting, debt collection services and cash withdrawals.

More information at bbva.de.

**This offer requires that a BBVA current account be opened for the first time on July 1, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.5% p.a. for balances up to €200,000, with no minimum amount. For balances above €200,000 and up to €500,000, the gross interest rate is 2.25% p.a.; Balances exceeding €500,000 do not accrue interest.

Interest is calculated daily based on your account balance at the end of each day and is credited monthly.

***Interest after the first 6 months: After the promotional period has ended, a variable gross interest rate will apply to balances up to €500,000. Currently, this is 2.25% p.a. without further requirements or 2.75% p.a. for monthly payroll or pension payments to the BBVA current account or for monthly payments with your BBVA debit card and/or BBVA credit card totaling over €1,500. 

Balances exceeding €500,000 do not accrue interest. Interest rates are reviewed quarterly and may be adjusted. Regardless, the interest rate is always at least 25% of the ECB's applicable interest rate for its deposit facility. 

Only transfers marked accordingly are regarded as payroll or pension payments; Transfers from one's own account and transfers from private individuals are not taken into account. 
The following are excluded: 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.