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.

Your personal advantage with BBVA, in numbers

Enter how much you currently pay for your account and how you use it.
We'll show you in seconds how much you can save and what additional interest and cashback you'll receive.

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.

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.

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 of up to €10,000. 2.00% p.a. for an average monthly balance of more than €10,000. 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.

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