BBVA savings account for efficient saving

Saving money can feel this easy

  • Your flexible alternative to overnight funds – free of charge and direct to your current account.
  • Erhalte 3,75 % Zinsen p. a. auf dein Guthaben bis 200.000 € für die ersten 6 Monate, und danach automatisch eine variable Verzinsung von aktuell 2,25 % p. a.*
  • 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.
  • 3.75% interest p.a. auf dein Guthaben bis 200.000 €: The interest rate for your Savings Box is based on the up-to-date interest rate of your current account.
  • After the first 6 months, your balance of up to €500,000 will automatically earn variable interest, which is currently 2.25% p.a.

Going on a trip

Fee-free worldwide when you use your BBVA cards

Hebe im Euro-Raum kostenlos ab 150 € Bargeld ab und zahle weltweit ohne Fremdwährungsaufschlag – auch am Wochenende.In Spanien kannst du sogar ohne Mindestbetrag kostenlos Bargeld abheben: an allen BBVA Automaten.

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.

Die Vorteile deiner Sparbox

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.

3.75% interest p.a.

Receive 3.75% interest p.a. during the first 6 months auf dein Guthaben bis 200.000 €.

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.

How do I open a Savings Box?

You don't need an additional savings account.
  • Open the BBVA app and click on “Products.”
  • 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 September 15, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.75% 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 2.5% 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.