Daily Banking

More flow in your daily banking

  • No fees for managing your account or using your debit card, and no conditions such as a payroll deposit.
  • The BBVA App: fully digital and in real time. Make transfers, check your account balance and rely on 24/7 support.
  • Lass dein Geld für dich arbeiten: 3,75 % Zinsen p. a.* auf dein Guthaben bis 200.000 € und 3,75 % Cashback** für 6 Monate, monatlich ausgezahlt.

Need to send a transfer? We make it easy for you

  • Around the clock, on Sundays and public holidays too.
  • No waiting times: The SEPA instant payment reaches the recipient immediately.
  • Available throughout the SEPA Zone (Single Euro Payments Area).

Cash when you need it

  • Withdraw from Mastercard ATMs in the Eurozone

    Kostenlos ab 150 €.***

  • Withdraw money in German retail stores

    With over 12,000 participating partners, it's flexible and easy.

  • Extra-Vorteil in Spanien

    Kostenlos ohne Mindestbetrag an allen BBVA Automaten in Spanien abheben.

Geld aufs Konto? Ganz einfach

  • By card: Top up your balance with your card from another German bank.
  • By bank transfer: Deposit money into your account via bank transfer.
  • With cash via app: Deposit cash during checkout at thousands of retail partners.

Payments that take care of themselves

  • Pay conveniently and easily within Germany and in the SEPA zone.
  • Automatic and on time: recurring payments are debited on the due date.
  • Everything at a glance: Keep track of your debits at all times.

Your card. You control everything.

Sperre deine Karten einfach und schnell über dein Smartphone, oder blockiere bestimmte Funktionen.

  • Schalte deine Karte jederzeit vorübergehend ein oder aus.
  • Block or limit online purchases or in-store payments.
  • Block or limit ATM withdrawals.

Advantages of the BBVA current account

Free current account, forever

Fee-free, and long-term. Ideal for your daily finances, your savings and more financial flexibility.

Interest paid into your account every month

Automatic interest on balances up to €500,000. Includes monthly credit, without conditions.

Interest, now and in the future

3.75% interest p.a. on your balance for the first 6 months, and afterward automatically get a variable interest rate, which is currently 2.25% p.a.**

Debit card with cashback

With your free physical and digital debit cards, you get cashback on all your purchases.***

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You may also be interested to know

*This offer requires the first-time opening of a BBVA current account 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. 

***Cash can be withdrawn at all ATMs that accept Mastercard. BBVA does not charge any fees for withdrawals of €150 or more within the eurozone. For withdrawals under €150 within the eurozone, BBVA charges a fee of €2. An allen BBVA‑Geldautomaten in Spanien ist die Abhebung ohne Mindestbetrag gebührenfrei.

The fee is also €2 for withdrawals outside the eurozone. The currency exchange for withdrawals and purchases is fee-free; BBVA applies the official exchange rate without any markup.

Additional fees from the bank operating the ATM may apply.