Your income account with BBVA

Get more out of your income with BBVA

What happens to your current account interest after the first 6 months? After the promotional interest period ends, you will continue to receive interest. This is variable, adjusted quarterly, and automatically recalculated monthly at the best interest rate applicable to you.

Up to 2.50% interest per annum for your loyalty beyond the first 6 months

Even after the first 6 months you can continue to benefit from attractive follow-up interest rates.

From April 1 From April 1 until June 30, 2026, you will receive 2.50% interest per annum* if you meet one of the following requirements:

  • You receive income or pension payments in your BBVA account
  • You spend at least €1,500 per month with your BBVA card

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.

Your account balance will also receive a reward

Based on your average account balance, you will receive the following follow-up interest rate, even without an income deposit or card usage:
  • Your interest rate, if your average monthly balance is less than €10,000.
  • Your interest rate, if your average monthly balance is over €10,000.

This is how the follow-up interest calculation works

Your benefits for €0

With your permanently free checking account and debit card, you also benefit from:
  • Free account management with no minimum deposit.
  • Withdraw cash using Mastercard in German retail stores.
  • Pay abroad without any fees.
  • 24/7 customer service.

Offers to help you achieve your savings goals

*This offer requires that a BBVA current account be opened for the first time starting on August 1, 2025 or later and is valid for the first 6 months after opening an account. The annual interest rate is calculated on amounts up to a maximum of €500,000, with no minimum amount. Interest is calculated daily based on your account balance at the end of each day and credited monthly, minus applicable tax deductions.

interest rate advantage during the first 6 months: For the first 6 months after you have opened your account, the gross interest rate is 3% p.a.

interest after the first 6 months: Your interest rate after the end of the promotional offer (e.g. B. 3% p.a. for 6 months) depends on your average monthly balance and account usage: 1.50% p.a. for an average monthly balance of up to €10,000. 2.00% p.a. for an average monthly balance of more than €10,000. 2.50% p.a. for a monthly income- or pension payment. 2.50% p.a. for monthly payments with your BBVA debit card totaling over €1,500.

The interest rates applicable after the first 6 months are updated quarterly. There is no guarantee that the current conditions will be maintained in the quarters to follow. Regardless, the interest rate is always at least 25% of the ECB's deposit rate. Only payments to the BBVA current account that are marked as income or pension payments with a corresponding transfer key (wage/salary or pension) are considered income or pension payments. Transfers from one's own account and transfers from private individuals are not taken into account. Every payment made with the BBVA debit card is considered a card transaction.

The following are excluded: fee-related BBVA debit card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.

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