BBVA savings account for efficient saving

Your digital savings solution, including interest

  • Your flexible alternative to overnight funds – free of charge and direct to your current account.
  • Take advantage of the attractive 3% interest p. a. on your current account for the first 6 months.
  • Automatic savings rules and up to 5 savings goals to effectively save money.

Savings account: included free of charge with your current account

Open your account in minutes!
  • Free and without any conditions such as having a minimum balance or paying in your salary.
  • 3% interest p.a.: The interest rate for your Savings Box is based on the up-to-date interest rate of your current account.
  • Thereafter, continuous, variable interest rate guaranteed for 5 years, with information on the current interest rate every 3 months.*

Discover the advantages of the savings account

Free of charge

Activate and use your digital savings account at no additional cost.

Automatic saving

Set up automatic rules and savings goals.

Your money, always available

Transfer money from your savings account to your current account at any time.

3% interest p.a.

Receive 3% interest p.a. for the first 6 months*

How to achieve your savings goals

  • Set up a maximum of 5 savings goals that will fulfill your wishes.
  • Decide upon the target amount and the time limit for achieving the target.
  • Plan to make regular deposits from your current account.
  • Easily keep an eye on how your savings are growing.

Learn more about automatic savings rules

  • Round up purchases

    Round up your payments and put the difference aside in your savings account.

  • Save salary

    Automatically transfer a part of your salary into your savings account every month.

  • Minimum balance

    Plan to transfer money from your savings account if your balance falls below the limit.

  • Maximum balance

    Automatically transfer amounts above the maximum amount into your savings account.

Now get 10% extra cashback

  • Secure up to €50 extra cashback on your purchases during the first month with your physical or digital BBVA debit card.**
  • The amount is transferred directly to your account.

How do I open a Savings Box?

You don't need an additional savings account.

  • Open the BBVA app and click on “Products and Services.”
  • Select “Accounts” and “Open Savings Box”.
  • Confirm the action using biometric recognition technology and start using your fee-free Savings Box immediately.

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Any questions?

*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.

For the first 6 months after you have opened your account, the gross interest rate is 3% p.a. After these first 6 months, the balance will bear interest at a rate of 25% of the ECB deposit facility rate for a period of 5 years starting on the date that the account is opened. The interest rate is adjusted quarterly. It is currently 2% p.a. and will remain at this percentage through at least March 31, 2026. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. You can view the ECB's current deposit facility rate at www.ecb.europa.eu. The bank will notify the customer of the current interest rate at the beginning of each quarter.

The interest rate is calculated based on the sum of the current account balance and the Sparbox, and is credited every month to the current account.

You can find further information at www.bbva.de/en/.

**Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions.

More information at bbva.de and in the terms and conditions of participation.

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