Smart savings with BBVA

Saving has never been easier

  • Combine BBVA's savings offers: Current account with interest, savings account, and flexible fixed-term deposit.
  • With transparent terms and conditions.
  • 100% online via the BBVA app.

Let your money work for you

Benefit from a long-term interest rate

Receive 3% interest p.a. on your account balance, up to €500,000 for the first 6 months. Continue to benefit from a variable interest rate, guaranteed for 5 years.

Use your BBVA current account for your daily banking needs and earn monthly interest – without any conditions or additional effort.*

Put money aside in your savings account

  • A free feature of your current account that helps you reach your savings goals.
  • You will continue to receive 3% interest p.a. on your savings box balance.
  • Set your own automatic rules to save effortlessly.

Guaranteed returns with flexible fixed-term deposits

Choose a flexible fixed-term deposit account that keeps your money safe and allows it to grow: Receive 2% interest p. a. for 24 months. In the event of early termination, you will receive a 1% interest rate p. a. on your deposited amount.

Now get 10% extra cashback

  • Secure up to €50 extra cashback on your purchases during the first month with your physical or digital BBVA debit card.**
  • The amount is transferred directly to your account.

The debit card for everything: flexible, secure, and accessible

  • Free physical and digital debit card for your daily banking.
  • 3% cashback on purchases for the first 6 months after opening your account, up to €350 per month.
  • Free cash withdrawals starting at €150 at all Mastercard ATMs within the EU.

Everything in one app

Manage your account directly from your smartphone and quickly and easily take care of your banking transactions.

Allow your money to grow every day and join over 79 million people who do the same!

Practical tips for effective saving

*This offer requires that a BBVA current account be opened for the first time starting on August 1, 2025 or later and is valid for the first 6 months after opening an account.

The annual interest rate is calculated on amounts up to a maximum of €500,000, with no minimum amount. Interest is calculated daily based on your account balance at the end of each day and credited monthly, minus applicable tax deductions.

For the first 6 months after you have opened your account, the gross interest rate is 3% p.a. After these first 6 months, the balance will bear interest at a rate of 25% of the ECB deposit facility rate for a period of 5 years starting on the date that the account is opened. The interest rate is adjusted quarterly. It is currently 2% p.a. and will remain at this percentage through at least March 31, 2026. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. You can view the ECB's current deposit facility rate at www.ecb.europa.eu. The bank will notify the customer of the current interest rate at the beginning of each quarter.

The interest rate is calculated based on the sum of the current account balance and the Sparbox, and is credited every month to the current account.

You can find further information at www.bbva.de/en/.

**Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions.

More information at bbva.de and in the terms and conditions of participation.

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