BBVA flexible fixed-term deposits with attractive interest rates

Fixed interest rates, yet still flexible

  • Choose a term between 6 months and 5 years and secure reliable interest rates on your savings.
  • Invest between €500 and €1,000,000.
  • Early termination and full or partial payout possible at any time.

What do different loan terms mean for your return on investment?

Discover how a €10,000 investment performs with a flexible fixed-term deposit. Interest is credited once at the end of the term:
  • Investment period: 12 months | Interest rate 2.35% p.a. | Total amount after 12 months: €10,235.00 | Gross return €235.00.
  • Investment period: 3 years | Interest rate2.60% p.a. | Total amount after 3 years: €10,780.00 | Gross return €780.00
  • Investment period: 5 years | Interest rate3.00% p.a. | Total amount after 5 years: 11.500,00 € | Bruttorendite 1.500,00 €.

 

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

    Choose a term of 6 months to 5 years with an Interest rate of2.20% to 3.00% 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.
10% extra cashback promotion for opening a BBVA account in Germany

Now get 10% extra cashback

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

This is how you open your flexible fixed-term deposit

  • Open your 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% interest p.a. on your current account balance, up to €500,000 for the first 6 months. This is without conditions and requires no minimum amount.**
  • 3% cashback on your purchases up to €XXX within the first 6 months, with a credit deposited directly in your account.***
  • Savings account with 3% interest pa: The interest rate for your Savings Box is based on the up-to-date interest rate of the current account.

 

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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

*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.

**This offer requires that a BBVA current account be opened 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. 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/.

***The BBVA Cashback Offer requires that a BBVA current account be opened for the first time on August 1, 2025 or later and is valid for the first 6 months after the account is opened.

The cashback reward lasts for 6 months beginning with your first transaction with the debit card. The first transaction must be completed within 90 days of opening the account.

The reward applies to your online and offline debit card purchases for the first €350 in purchase value. This is the equivalent of a maximum monthly reward of €10.50.

The following are excluded from cashback: 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.

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