How does the "top up account" feature work?

With the "top up account" feature, you can deposit money directly into your BBVA current account using your card from another German bank or via transfer. The deposited funds are available to you immediately. Here's how it works: In online banking at BBVA.de, click on All Features > Top Up Account Select your preferred deposit method: With your card By bank transfer In the BBVA app: Open the app and tap “Current Account.” Select "Top Up Account." Decide on the method you want to use.

How much does it cost to use the account top-up feature?

There are no fees for topping up your BBVA account with your card from another German bank or by bank transfer.

What is the maximum amount I can deposit to top up my account?

You can deposit amounts totaling up to €500 per day. The maximum monthly amount you can deposit into your BBVA current account using this service is €3,000.

Can I top up my Savings Box using the "Top Up Account" feature?

No, it is not possible to top up your savings account this way. You can only use this feature for your current account.

Can I top up my account with a card from a foreign bank?

No, that is not possible. You can only top up your BBVA account with your card from a German bank. If you want to transfer money from a foreign bank to your BBVA account, you can do so via bank transfer. The bank will inform you of the transfer time.

Can I use my debit card to top up my account?

No, only VISA and MasterCard cards issued in Germany with 3D Secure (i.e. cards suitable for secure online banking) are accepted for this type of transaction. Please note: V-Pay is not a VISA card.

Why was my card declined when I tried to top up?

Make sure your card was issued in Germany. Check that your card provider allows money transfers and online payments (e.g. Klarna Credit does not accept transactions like this). Make sure your bank supports secure online payment systems and allows two-factor authentication (some cards issued by savings banks do not allow this type of transaction). Make sure it's not an AMEX, Diners/Discover, or debit card—only VISA and MasterCard are accepted.

Top up your account

Top up your account for free

Top-up with card: Top up your balance with your card from another German bank.
Top-up via transfer: Deposit money into your account via bank transfer.
Top-up with Cash via App: At thousands of retail partners, you can deposit cash into your account at checkout.

Top up your account

Top-up with card: quick and easy.

Top up your balance with your card from another German bank.
Topping up your card is free of charge. Using your card you can deposit amounts of up to €500 per day.

Open an account

Top-up via transfer: convenient and secure.

Select your account in the app, click on "Show more" and then on "Top up account" > "via transfer."
A window will open with the necessary information for transferring to your BBVA account.
The transferred amount will be credited to your account.

Conveniently withdraw cash

Withdraw from Mastercard ATMs in the EU

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.

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Choose between regular SEPA transfer or real-time transfer, simply and securely.

Continue to real-time transfer
At all Mastercard ATMs and directly at the checkout, at Lidl, dm and many other partners.

Continue to Cash
Use your BBVA debit card via your digital wallet and pay for your purchases with your smartphone.

Continue to Pay contactless