New interest rates available now

Up to 3.6% interest p.a. on your savings with BBVA's flexible fixed-term deposit

The smart way to get more out of your savings. Discover our new terms and conditions now.

The data displayed in the simulation is non-binding and does not constitute an official offer from the bank. You can calculate the exact amount using the BBVA App. Opening a flexible fixed-term deposit account requires a BBVA online account and a balance equal to or greater than the investment amount.

Before entering into the contract, please read carefully the financial and contractual terms and conditions outlined in the "Information Sheet on the BBVA Flexible Deposit Service" and in the "BBVA Flexible Deposit Agreement," both available at www.bbva.de/en/.

Solid interest rates for every term

TermsInterest rate
Terms
Term
6 months
Interest rate
Interest rate
3 % p. a. 
Terms
Term
12 months
Interest rate
Interest rate
3.25% p.a. a.
Terms
Term
2 years
Interest rate
Interest rate
3.4% p.a. a.
Terms
Term
3 years
Interest rate
Interest rate
3.45% p.a. a. 
Terms
Term
4 years
Interest rate
Interest rate
3.5% p.a. a.
Terms
Term
5 years
Interest rate
Interest rate
3.6% p.a. a.
How do you calculate the interest rate on BBVA's flexible fixed-term deposit?

How do you calculate the interest rate on BBVA's flexible fixed-term deposit?

Achieve more and stay flexible

  • Guaranteed interest rates

    Wähle eine Laufzeit von 6 Monaten bis 5 Jahren mit einer Verzinsung von 3 % bis 3,6 % p. a.

  • Legally secured

    Your money is protected by the Spanish Deposit Guarantee Fund (FGD), up to €100,000 per customer.

  • Easy to open

    All you need to open your flexible fixed-term deposit is a free current account at BBVA.

  • Complete flexibility

    You can partially or completely cancel your investment at any time and withdraw your money before the end of the term.

This is how you open your flexible fixed-term deposit

  • Open your free forever current account: Get started right away – it only takes a few minutes to open an account.
  • Deposit money into your current account with your debit or credit card from another bank, or via transfer or cash deposit.
  • Easily apply for the flexible fixed-term deposit account via the BBVA App. You can pay in between €500 and €1,000,000.

To use your flexible fixed-term deposit, open your free current account

  • A current account that never charges fees and has no conditions, like a salary deposit.
  • Free physical and digital debit cards included.
  • Automatic interest on your current account balance, up to €500,000.

Take advantage of your free current account, including debit card:

  • 3.75% interest p.a. on your balance up to €200,000 for the first 6 months, with no minimum amount.*
  • 3.75% cashback on your purchases totaling up to €400 per month within the first 6 months, with a credit deposited directly in your account.**
  • After the first 6 months, your balance up to €500,000 will receive automatic variable interest, which is currently at 2.25% p.a.***

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Any questions?

Contract documents

This document governs the investment of a specific fixed-term deposit amount that binds the customer and the BBVA German branch at a fixed interest rate for a defined term, taking into account the applicable terms and conditions.

Download PDF

Read the terms and conditions for the fixed-term deposit account, which clearly and transparently summarizes the most important economic and contractual features of the BBVA flexible fixed-term deposit – including costs, availability periods and applicable conditions.

Download PDF

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.