Cash withdrawals
At ATMs throughout the world displaying the Mastercard logo, free within the Eurozone starting at €150.
Flexible Financing
Financially agile, fast and flexible
The need to make an unexpected purchase often happens at an inconvenient time.
Keine Sorge – mit Pay&Plan, dem
Dispo- oder Sofortkredit bleibst du flexibel.
Erste Nutzung von Pay&Plan Ratenzahlung jetzt zinsfrei
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. Die erste Nutzung von Pay&Plan ist zinsfrei - egal, über wie viele Monate.
- Requirement: 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, Taunustor 1, 60310 Frankfurt am Main.
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.
Unexpected purchases? Your overdraft is here!
Use the overdraft facility to quickly and easily cover unexpected expenses and keep your finances flexible.
- Quickly access up to €500.
- Available directly in your account if required.
- Automatically repay it from your next incoming payment.
Your daily banking – free of charge
-
-
SEPA real-time transfer
The recipient receives the amount immediately with participating banks in the SEPA area.
-
Card management
Block or limit your card's features more easily than ever.
3.75% cashback on your purchases
- Receive cashback on your purchases totaling up to €400 per month during the first 6 months.***
- The cashback amount will be credited directly to your current account every month.
- Valid for all purchases with your physical or digital BBVA debit card.
This might interest you
-
Instant loan, overdraft facility or installment payment: Which loan is right for you?
Sofortkredit für geplante Anschaffungen, Dispokredit für kurzfristige Engpässe oder Pay&Plan für Ratenzahlung von Käufen mit der Debitkarte. -
Ratenzahlung mit Pay&Plan, wenn sich Pläne ändern
Pay&Plan gibt dir die Freiheit, bereits getätigte Einkäufe nachträglich in einen flexiblen Kredit umzuwandeln – transparent und einfach in deiner BBVA App. -
Housekeeping book: How to organize your finances
A budget planner is an overview of your personal income and purchases that is used to keep a better eye on your finances.
Others were also interested in
-
Up to 3.6% p.a. with flexible fixed-term deposit
Choose a term between 6 months and 5 years and secure up to 3.6% interest p.a. on your balance.
-
Cashback on your purchases
3.75% cashback on your purchases during the first 6 months, up to €400 in total purchases each month. Deposited directly into your account every month.
-
Keep control of your money
Use our intelligent Expense Analysis and Multibanking to manage your finances effectively.
*0% interest p.a. für die erste Aufteilung einer Zahlung in Raten mit Pay&Plan ab dem 8.3.2026. Für BBVA Kund*innen mit Pay&Plan Limit. Der erste Einkauf muss innerhalb von 2 Jahren nach Abschluss des Pay&Plan-Vertrags in Raten aufgeteilt werden. Es gelten die Pay&Plan Bedingungen.
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, Taunustor 1, 60310 Frankfurt am Main.
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.
***The BBVA cashback offer requires that a BBVA current account be opened for the first time 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 3.75% cashback on online and offline purchases totaling up to €400 in purchase value. This means that you can receive €90 cashback in 6 months. The maximum cashback payment is €15.00 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.