Daily Banking

Your online banking for your daily finances

  • Flexible and easy cash withdrawal.
  • Intelligent card management and contactless payment with digital wallets.
  • Fast and easy real-time transfers in the SEPA zone.

Transfer easily and quickly

  • 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).

Conveniently withdraw cash

  • Withdraw from Mastercard ATMs in the Eurozone

    Free-of-charge for amounts of €150 or higher.*

  • Withdraw money in German retail stores

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

  • Free withdrawals at BBVA ATMs in Spain

    At approx. 4,500 BBVA ATMs, free of charge, and with no minimum amount.

The easy way to top up your account

  • 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.

Pay conveniently by direct debit

  • Pay conveniently and easily within Germany and in the SEPA zone.
  • Always pay on time, without having to transfer money yourself.
  • 100% transparent – with fixed due dates.

Card management, easier than ever

Block your debit card easily and quickly via your smartphone, or block certain functions.

  • Temporarily turn your debit card on or off at any time.
  • 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

3.5% 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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*Cash can be withdrawn at all ATMs that accept Mastercard.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. Fee-free withdrawals with no minimum amount at all BBVA ATMS in Spain and all Garanti BBVA ATMs in Turkey.

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.

**This offer requires that a BBVA current account be opened for the first time on July 1, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.5% 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 2.25% 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.

More information at bbva.de.