Approval methods

Innovative options for you to approve transactions in the BBVA App

In the BBVA App, you confirm your transactions directly on your smartphone via biometrics or by approving with a click. It's secure and easy, plus you maintain full control.

Approval options in the BBVA App

  • Approve with a click

    Use your digital signature to confirm orders with a click. It is a convenient alternative to biometric authentication.

Which transactions can you approve?

Confirm transfers, card payments and logins in just a few moments using biometrics or approval via click. In the BBVA App you can also manage your transfer limits yourself.

  • Adjust transfer limits: Change the maximum amounts for your transfers in real time.
  • More flexibility: As needed, you can Increase your daily transfer limit for SEPA standard transfers.

Your BBVA current account. Everything in one app

  • Free-forever current account with 3.5% interest p.a. on balances up to €200,000.*
  • 3.5% cashback on your card payments totaling up to €350 in purchase value per month.**
  • After the first 6 months, your balance up to €500,000 will receive automatic variable interest, which is currently 2.25% p.a.***

Open your account online in minutes!

Protection that also applies to your card

The free forever BBVA debit card with integrated security features:

  • No printed number on the physical card.
  • Dynamic CVV that is individually generated for each process.
  • Turn the card on/off at any time, directly via the App.
  • Secure payment approval via biometrics or a click.

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What are approval options?

*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.

**The BBVA cashback offer requires that a BBVA current account be opened and is valid for the first 6 months after making the first card payment. To receive cashback, you must make your first payment with the BBVA debit card within 90 days of opening your account.

With the BBVA debit card you receive 3.5% cashback on online and offline purchases totaling up to €350 in purchase value. This means that you can receive €73 cashback in 6 months. The maximum cashback payment is €12.25 per month.

No cashback is awarded for payments related to financial services and banks, cryptocurrencies, gambling and betting, debt collection services and cash withdrawals.

More information at bbva.de.

***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.