BBVA cards

BBVA & Mastercard: You decide how you pay.

With BBVA cards, you can pay securely and flexibly worldwide, in everyday life and while traveling. Take advantage of benefits such as cashback and paying in foreign currencies without additional fees.

Discover our cards

  • Debit card

    • Payments are immediately debited from your account.
    • 3.5% cashback on your purchases during the first 6 months.*
    • The card is free, with no issuing charges or annual fees.

  • Credit card

    • Receive one monthly bill during the following month, or have it conveniently broken down into installments.**
    • 5% cashback during the first 6 months.***
    • Zero fees during the first 6 months, then free for monthly transactions totaling over €500.****

Your BBVA current account with free debit card and optional credit card

  • A free-forever current account with no conditions, such as an income deposit.
  • 3.5% interest p.a. on your balance up to €200,000 during the first 6 months, then it accrues long-term variable interest.
  • Maximum security for everyday transactions.

Going on a trip

Fee-free worldwide when you use your BBVA cards

Withdraw cash free of charge in the eurozone starting at €150 and pay worldwide without any foreign currency surcharges, even on weekends. In Spain and Turkey, you can even withdraw cash free of charge - no minimum amount is required. This is valid at all BBVA and Garanti BBVA ATMs.

Advantages of using BBVA cards

  • Dynamic CVV: To protect your transactions, your card comes without a printed number, and has a dynamic CVV.
  • Card management: Turn your card on and off at any time and set individual limits.
  • Pay anywhere, anytime: Use the digital wallet for contactless payments, online shopping, and in-store purchases. All with no fees.
  • Restrict features: Set limits for the use of your card.
  • Instant payments: Access your card data in seconds using face or fingerprint recognition, directly from the App's home screen.

Use the BBVA debit card to withdraw cash

  • From Mastercard ATMs in the Eurozone

    Free of charge for amounts of €150 or higher.

  • In German retail stores

    With over 12,000 participating partners, it's flexible and easy.

  • At BBVA ATMs in Spain

    At approx. 4,500 BBVA ATMs, free of charge, and with no minimum amount.

Better for you, better for the planet

  • Digital first: Immediately use your digital card in Apple Pay or Google Pay, for example. Fast, secure and always readily available.
  • Digital by default, no effort required: Your account was designed for digital use from the very beginning.
  • Physical card only upon request: If you need it, you will receive a card made from 100% recycled plastic.

Pay with your BBVA cards and secure your chance to win great prizes!

Sign up for the "Pay and Win" promotional package, participate in the raffles and try your luck.

  • Bi-weekly raffles of 100 Amazon.de vouchers worth €50.
  • A quarterly raffle that you shouldn't miss. The next prize is a 7-day trip (6 nights) for 2 people to Santorini.

Your new prizes are waiting for you!

 

You may also be interested to know

*This offer requires that a BBVA current account be opened for the first time starting 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.

**Partial payment is to be regarded as using your credit. For installment payments, interest is currently charged at a rate of 13.99% p.a. Minimum amount €50, term between 3 and 36 months.

*** The BBVA cashback offer requires that you first sign a credit card agreement, and lasts for 6 months starting from the date that the credit card agreement has been signed. The offer is valid until September 30, 2026 at the latest.

The cashback rewards begin when you complete your first transaction with the BBVA credit card. This first transaction must be made within 90 days of the signing of the credit card agreement.
It only covers travel-related payments (e.g. those made with airlines, hotels, car rental companies, travel agencies, rail transportation, taxis, tourist attractions) as well as basically all online payments with the BBVA credit card for the first €500 per calendar month. This corresponds to a maximum remuneration of €25 per month.

The following are excluded from cashback through using the BBVA credit card: fee-related BBVA card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, cash withdrawals, and transfers made with the BBVA credit card to the BBVA current account. 

****After the first 6 months, the monthly fee is 2 euros. It is waived if the monthly usage of the BBVA credit card exceeds €500 and there are no payment delays during the period. The credit card fee will also not be charged during the month in which a due credit card installment payment is debited from the customer's BBVA account.

*Pay & Win promotional package: Card payments made between July 1, 2026 and September 30, 2026 will be considered for the quarterly raffle, which will take place on October 21, 2026. You can find the terms and conditions for participating here.


**The terms and conditions for Amazon.de gift vouchers apply. These can only be used to purchase products from Amazon.de and some of its subsidiaries. Cash payment or transfer to another account is excluded, except in the cases provided for by law. Gift vouchers remain valid for 10 years. There are no additional fees. Further information and full terms and conditions: amazon.de/gc-legal.