Overdraft facility

Remain solvent with an overdraft facility

  • Use your personal overdraft limit if you need it.
  • Easy access if you run into financial difficulties.
  • You can apply directly 100% online when opening the account.
We are currently pausing applications for new overdraft facilities

If you already have an overdraft facility, you can continue to use your approved credit limit as usual and without restrictions

Take advantage of the overdraft facility

  • No activation or cancellation fees

  • Interest payment only made when the approved overdraft is used

  • Settle it with your next incoming payment

Open your free-forever BBVA current account now

  • The current account and debit card have no fees or conditions.
  • Transactions starting at €0 and 100% online.
  • Opening an account takes just a few minutes.

The overdraft facility is an option available with the current account

  • Based on the information you provide us when opening your account, we will decide upon your credit limit (max. €500).
  • To use your personal overdraft facility, simply activate the overdraft facility via the BBVA app. You can deactivate it again at any time.

Please note that access to the overdraft facility is always subject to the bank's prior approval based on your creditworthiness.*

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Any questions?

*Whether and to what extent you will receive an overdraft facility will be determined on the basis of your creditworthiness. The amount you can receive is set on an individual basis and use of the overdraft facility is optional for the customer. Before signing the contract, please carefully read through the pre-contractual and contractual terms and conditions for the overdraft facility. Further information is available on our website at www.bbva.de/en/.