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

Your personal advantage with BBVA, in numbers

Enter how much you currently pay for your account and how you use it.
We'll show you in seconds how much you can save and what additional interest and cashback you'll receive.

Benefit from a long-term interest rate

Receive 3% interest p.a. on your 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 one flexible fixed-term deposit that keeps your money secure and lets it grow: Get up to 3.20% p. a. depending on the term. In the event of early termination, you will receive 1% interest p.a. on the deposited amount.

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.

interest rate advantage during the first 6 months: For the first 6 months after you have opened your account, the gross interest rate is 3% p.a.

interest after the first 6 months: Your interest rate after the end of the promotional offer (e.g. B. 3% p.a. for 6 months) depends on your average monthly balance and account usage: 1.50% p.a. for an average monthly balance of up to €10,000. 2.00% p.a. for an average monthly balance of more than €10,000. 2.50% p.a. for a monthly income- or pension payment. 2.50% p.a. for monthly payments with your BBVA debit card totaling over €1,500.

The interest rates applicable after the first 6 months are updated quarterly. There is no guarantee that the current conditions will be maintained in the quarters to follow. Regardless, the interest rate is always at least 25% of the ECB's deposit rate. Only payments to the BBVA current account that are marked as income or pension payments with a corresponding transfer key (wage/salary or pension) are considered income or pension payments. Transfers from one's own account and transfers from private individuals are not taken into account. Every payment made with the BBVA debit card is considered a card transaction.

The following are excluded: fee-related BBVA debit card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

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