3.5% interest p.a. +3.5% cashback for 6 months

Open your free-forever BBVA current account today. After the first 6 months, you will automatically receive a variable follow-up interest rate, which is currently 2.25%.*

Free current account and debit card, free forever

3.5% interest p.a. +3.5% cashback for 6 months

Open your free-forever BBVA current account. After the first 6 months, you will automatically receive a variable follow-up interest rate, which is currently 2.25%.*

During the first 6 months you receive 3.5% interest p.a. on balances up to €200,000 and 3.5% cashback monthly on a purchase value of €350. You can find further information here.

Let your money work for you

  • Currently 2.5% interest p.a. after the first 6 months

    Even after the promotional period, your money continues to grow. You automatically receive a variable follow-up interest rate, which is currently 2.25% p.a. - approximately 4.69 times higher than the average in Germany.**

    Discover more

  • High interest rates with the flexible fixed-term deposit

    Get up to 3.40% interest p. a. with BBVA's flexible fixed-term deposit. Discover our new terms and conditions now.

    Discover more

  • Your Savings Box saves for you

    Activate your digital Savings Box. This allows you to separate your savings from your daily transactions and have them grow at the same interest rate as your account balance. Automatic savings rules help you with this, and you have full access to them at any time.

    Discover more

Going on a trip

Relaxed travel during the summer

Pay worldwide with your debit and credit card without foreign currency surcharges, even on weekends. Withdraw cash free of charge in the eurozone starting from €150. In Spain and in Türkiye you can even withdraw cash for free with no minimum amount: This is valid at all BBVA and Garanti BBVA ATMs.

BBVA App

Everything in the BBVA App

Pay, save, travel, keep track of purchases and manage your money, all in a way that is simple, secure and intuitive.

BBVA debit card

Your free debit card for everyday use

Pay online and in-store, conveniently withdraw cash and manage everything via the App: With your free debit card, you have everything you need on the go.

Free current account

Simple and secure daily finances

Free current account, easy payments and strong security features, with deposit protection up to €100,000 in accordance with the EU directive.

Traveling with BBVA

Keep track of everything and travel without any worries

Pay worldwide, withdraw cash for free and manage your account App whenever you need to. And with "My Trips" you can plan your budget and keep track of your purchases while on the go.

BBVA and OpenAI

BBVA now in ChatGPT

Working with OpenAI, BBVA is integrating the first native finance app directly into ChatGPT. Discover our user-friendly products. It's as easy as having a conversation.

Banking you can count on

  • A bank with European roots
  • Over 80 million active customers worldwide
  • Deposit protection in accordance with EU directives

We're always here to assist you

Personal customer service around the clock

German-speaking support around the clock and daily English-speaking support from 7 a.m. to 9 p.m.

Help section

Answers and information about our products and services.

Latest news from BBVA

Discover the latest news from BBVA, in Germany and across branches.

*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.

More information at bbva.de.

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.

***You can find more information on bank interest rates via this link: Savings account deposits made by private households in Germany (monthly)