In principle, a digital debit or credit card is used like a traditional bank card. Unlike a physical card, the digital card does not exist in a plastic form, and transactions are carried out directly through the app or a digital wallet.
The BBVA debit card with attractive benefits
Your free forever debit card with 3% cashback
Pay with your physical or digital debit card and receive real cashback for 6 months, directly into your account!
And of course, you can use all Mastercard ATMs and Lidl, dm & Co. to conveniently withdraw cash.
You buy, we pay you back
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Money back, directly into your current account
Get 3% cashback on your daily purchases using your debit card during the first 6 months. The cashback reward begins with the first transaction you make using the debit card. The first transaction must be completed within 90 days of opening the account. -
Your account balance increases every month
You can receive cashback on monthly purchases totaling up to €350, up to €63 in total credit. The cashback amount will be credited directly to your current account. Real money into your account every month.
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Valid on almost all purchases you make
The cashback is valid on purchases you make using your physical or digital debit card, both online and in store. The cashback is valid on purchases you make using your physical or digital debit card, both online and in store. Excluded are payments made in connection with fees to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.
Benefit from your BBVA current account's long-term interest rate
Open your account for free in just a few minutes.
- Your free account with 3% interest p.a. on balances up to €500,000.
- Without conditions: No minimum salary or balance requirements.
- Take advantage of the offer for the first 6 months. After this you will keep benefiting from a continuous variable interest rate for 5 years.
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.
Conveniently withdraw cash
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Withdraw from Mastercard ATMs in the Eurozone
Free-of-charge for amounts of €150 or higher.*
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Withdraw money in German retail stores
With over 12,000 participating partners, it's flexible and easy.
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Free withdrawals at BBVA ATMs in Spain
At approx. 4,500 BBVA ATMs, free of charge, and with no minimum amount.
Pay&Plan
Pay in installments with Pay&Plan
Make a purchase with your BBVA debit card, then divide the selected amounts into flexible installments. It's simple and transparent.
- Staring at €50, you can finance qualifying purchases from the last 3 months.
- Choose a repayment period from 3 to 12 months.
- All that's required is You are a BBVA customer and your account has an available limit.
Pay&Plan
Your financial buffer zone
We will transfer the purchase amount directly to your current account and collect the first installment the following month.
- Valid for purchases made with your debit card, regardless of whether they're in-store or online.
- Fixed interest rate of 11.99% p.a. for all financed purchases.
- The maximum amount for qualified customers ranges from €200 to €3,000.**
Everything you need for daily banking
- SEPA standard and instant payments.
- Conveniently manage your card via the BBVA app.
- Pay contactless with digital wallets.
Maximum security with BBVA
Dynamic CVV
To protect your account, your card does not have a printed number, and it comes with a dynamic
CVV.
Card management
Biometric access
Access your account using a fingerprint or face recognition. Simple, secure and convenient.
Financial Control
All your finances at a glance thanks to automated analyses of your daily purchases.
Intelligent expense analysis of your daily purchases
Open your account for free in just a few minutes.
- Use automated categorization for your transactions to enable intelligent financial management.
- Monitor your personal purchases per category and discover potential savings.
- Keep an eye on your finances.
How would you like to receive your debit card?
The physical card is free and made from recycled plastic.
- Physical + Digital: Add the digital card directly to your wallet and use it immediately. We will send your physical card to your address.
- The following applies to the digital card: You can use it immediately. If you need the physical card later on, you can request it at any time via the app.
Open your free current account and request your BBVA debit card!
Working together for a sustainable future
We promote economic growth that doesn't leave anyone behind, and creates opportunities for everyone.
Pay where and whenever you want
Add the BBVA debit card to your digital wallet via the BBVA app. This lets you use digital wallets to shop online, and to quickly shop in stores with contactless payment terminals.
More than 60 million customers already use our app
What are you waiting for? Join us!
Any questions?
**In order 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. For the use of Pay&Plan, a fixed debit interest rate of 11.99% applies, 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.
Example: 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 taken out on April 11, 2025, and the first installment is €10.22). The total amount to be paid by the consumer is €72.62. 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.
For further information, please see the "Pay&Plan" explanatory sheet, written in accordance with Section 491a Paragraph 3 of the German Civil Code.