Smart Banking

Your finances under control - simple and efficient

  • Smart saving: Reach your savings goals with personalized savings features.
  • Financial control: Keep track of your finances with Expense Analysis.
  • My Trips: Plan and control your vacation finances effortlessly in the BBVA app.

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  • Save intelligently and automatically

    Set your own goals and define individual savings rules with your free digital savings box.

  • Keep control of your money

    Use our intelligent Expense Analysis and Multibanking to manage your finances effectively.

  • Your travel costs at a glance

    A solution that helps you organize your travels and keep track of your expenses.

Put money aside in your savings account

  • A free feature of your current account that helps you reach your savings goals.
  • 3.5% interest p.a. for 6 months: The interest rate for your Savings Box is based on the up-to-date interest rate of your current account.
  • Set your own automatic rules to save effortlessly.
Expense Analysis

Intelligent expense analysis of your daily purchases

  • Use automated categorization for your transactions to enable intelligent financial management.
  • Monitor your personal purchases per category and discover potential savings.
  • Your financial situation in real time - keep an eye on your expenses at all times.

The convenience of having all your accounts in one place

  • Visualize all your bank accounts and cards in the BBVA app.
  • Check balances and transactions for all your accounts at a glance.
  • Secure data transfer according to European PSD2 standards.
  • You can cancel this free service at any time directly in the app.

Experience the benefits of My Trips

  • Set your travel budget and keep track of your expenses at a glance.
  • Activate and deactivate your debit card or adjust the limits as often as you like.
  • Use our travel tips on fraud prevention, recommended vaccinations, travel documents, etc.
  • Calculate the exchange rate in the local currency using the currency converter.

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*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.