Discreet mode

Protecting your App from prying eyes

At BBVA, your privacy matters: Discreet Mode automatically hides balances and transactions when someone is looking at the display.

What is Discrete Mode?

Discreet Mode includes a smart option that offers you additional protection. The App uses AI to detect the glances of strangers and automatically hides your sensitive data.

Whether you're on the go, on the train, or in busy spaces – your information remains secure. And for maximum discretion, you can also permanently hide data so that everything you own belongs only to you.

To help maintain your privacy, Discreet Mode offers three different options

  • In standard mode, all your information is always displayed.
  • In private mode, all sensitive data is always hidden.
  • Smart. The front camera detects the glances of strangers and automatically hides your sensitive data.

Discreet mode

Use this reliable method to protect your data

Activate Discrete Mode to hide sensitive data when necessary.
The easy solution for more security when sharing your screen or in public.

Discreet mode

1 - Open the menu

Log in to the BBVA App with your credentials and tap on the symbol with the three lines in the top-right corner to open the menu.

Discreet mode

2 - Choose your visibility

Choose Settings and then Discrete mode, to manage the visibility of your account balances and transactions.

Discreet mode

3 - Tap to activate

Tap on the eye symbol to activate discrete mode. To deactivate it, tap the icon again. Quick and easy!

Open a BBVA account and use Discreet Mode

  • Free current account, forever. During the first 6 months you will receive 3% interest p. a. and 3% cashback.*
  • After this, a continuous variable interest rate is guaranteed for 5 years.
  • The interest is automatically credited to your current account every month.

Pay securely with the debit card of the future

  • No printed card number.
  • A dynamic CVV, which is created again for each transaction.
  • Personalized card management directly in the BBVA App.
  • Biometric recognition for maximum security.

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*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. bei einem monatlichen Durchschnittsguthaben unter 10.000 €. 
  • 2.00% p.a. for an average monthly balance of €10,000 or more. 
  • 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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