New interest rates available now

Up to 3.40% 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.

Excellent interest rates

Excellent interest rates

Rated “Excellent” by the country’s leading financial experts, €uro honored us with the “Best Fixed-Term Deposit/Savings Account” award for direct banks.

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

Terms Interest rate
Terms
Term
6 months
Interest rate
Interest rate
2.60% p.a. a. 
Terms
Term
12 months
Interest rate
Interest rate
2.90% p.a. a.
Terms
Term
2 years
Interest rate
Interest rate
3.00% p.a. a.
Terms
Term
3 years
Interest rate
Interest rate
3.10% p.a. a. 
Terms
Term
4 years
Interest rate
Interest rate
3.20% p.a. a.
Terms
Term
5 years
Interest rate
Interest rate
3.40% p.a. a.

Your personal advantage with BBVA, in numbers

Enter how much you currently pay for your account and how you use it.
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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 between 6 months and 5 years with an interest rate ranging from 2.60% to 3.40% 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% 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 to 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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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

*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 under €10,000. 
  • 2.00% p.a. for an average monthly balance of €10,000 or more. 
  • 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.

**Cashback promotion: The BBVA Cashback Offer requires that a BBVA current account be opened. It is valid for the first 6 months after this opening. 

3% cashback: 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.

More information at bbva.de.

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