BBVA follow-up interest rate

2.25% interest p.a. after the first 6 months

Stay with BBVA and automatically benefit from a variable interest rate, which is currently 2.25% p.a. after the promotional phase.

Interest continues to accrue automatically.

You will automatically receive a variable follow-up interest rate, which is currently 2.25% p.a., without conditions such as a payroll deposit or minimum balance. The interest applies to your balance up to €500,000 and is credited to your current account each month. The variable interest rate applies for up to 5 years, according to the offer's terms and conditions.*

Secure up to 2.75% p.a. now

You currently receive 2.75% p.a. if you meet one of the following prerequisites: Your payroll or your pension will be deposited into your BBVA account, or your monthly transactions with your BBVA cards achieve a total of at least €1,500.

The requirements are automatically reviewed every month. If these are met, you will receive the maximum interest rate on your balance for the respective month.

This is how the follow-up interest calculation works

For €0 you get the following from BBVA:

  • A free-forever current account

    Account with German IBAN and physical and digital debit cards, with no conditions at all.

  • No fees for foreign currencies

    Make purchases and withdraw cash in other currencies with absolutely no surcharges.

  • Free cash withdrawals within the euro area

    Use your debit card to withdraw cash free of charge at all Mastercard ATMs in the euro area starting at €150.

  • Your extra advantage in Spain and Turkey

    Withdraw cash completely free of charge at all BBVA and Garanti BBVA ATMs, with no minimum amount.

Do you already have your BBVA current account?

  • Free-forever current account with 3.5% interest p.a. and cashback during the first 6 months
  • Use our calculator and in seconds discover your savings and profit potential with the BBVA current account.

What are you waiting for? Open your account in minutes!

How to achieve your savings goals

*This offer requires that a BBVA current account be opened for the first time starting 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.