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

  • Conveniently confirm transactions via fingerprint or face recognition. Quick and direct approval via your smartphone.
  • 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

  • Your free forever current account with 3% interest per annum on your balance up to €500,000.*
  • 3% cashback on your card payments, up to €350 in purchase value every month.**
  • This offer is valid for the first 6 months after you have opened your account. Your balance will then continue to accrue interest according to the applicable terms and conditions.

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 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 under €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.

**Cashback promotion: The BBVA Cashback Offer requires that a BBVA current account be opened. It is valid for the first 6 months after this opening. 

3% cashback: The cashback reward lasts for 6 months beginning with your first transaction with the debit card. The first transaction must be completed within 90 days of opening the account.
The reward applies to your online and offline debit card purchases for the first €350 in purchase value. This is the equivalent of a maximum monthly reward of €10.50.

The following are excluded from cashback: 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.

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