Smart savings with BBVA
| Interest-bearing current account | Savings account | Flexible fixed-term deposit | |
|---|---|---|---|
|
Interest
| Interest-bearing current account
Up to 3.75% p.a.
| Savings account
Up to 3.75% p.a.
| Flexible fixed-term deposit
Up to 3.6% p.a.
|
|
Availability
| Interest-bearing current account
Anytime
| Savings account
Anytime
| Flexible fixed-term deposit
Depending on the term
|
|
Savings goals
| Interest-bearing current account
-
| Savings account
✓
| Flexible fixed-term deposit
-
|
|
Automatic savings rules
| Interest-bearing current account
-
| Savings account
✓
| Flexible fixed-term deposit
-
|
|
Interest credit
| Interest-bearing current account
Monthly
| Savings account
Monthly
| Flexible fixed-term deposit
At the end of the term
|
|
Minimum amount
| Interest-bearing current account
No minimum contribution
| Savings account
No minimum contribution
| Flexible fixed-term deposit
Starting at €500
|
|
Term
| Interest-bearing current account
No term
| Savings account
No term
| Flexible fixed-term deposit
6 months - 5 years
|
|
Fees
| Interest-bearing current account
Fee-free
| Savings account
Fee-free
| Flexible fixed-term deposit
Fee-free
|
|
Ideal for
| Interest-bearing current account
Your daily banking transactions
| Savings account
Saving for specific goals
| Flexible fixed-term deposit
Secure fixed interest rates ranging from the medium to long term
|
Legal notice
This offer requires that a BBVA current account be opened for the first time starting on September 15, 2026 or later and is valid for the first 6 months after the account is opened. The gross interest rate is 3.75% 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 2.5% 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.
The BBVA cashback offer requires that a BBVA current account be opened 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.
