The simulator is intended to give you an initial overview. It shows you non-binding estimates based on your input and the currently valid terms and conditions for the BBVA account. The results are for informational purposes only and may change if the contract terms or promotional terms and conditions change before you open your account.

Interest (estimate for 12 months):

• 3% interest p.a.  on your balance during the first 6 months, up to a maximum amount of €500,000.
• In den folgenden 6 Monaten richtet sich die Verzinsung nach deinem monatlichen Durchschnittsguthaben und deiner Kontonutzung:
• 1.5% 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.
• 2.5% p.a. for a monthly income- or pension payment.*
• 2.5% p.a. for monthly payments with your BBVA card totaling over €1,500.**

* 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.

The interest rates applicable after the first six 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.

Cashback

The cashback reward lasts for 6 months beginning with your first transaction with the debit card and is valid for the first €350 in purchase value. The first transaction must be completed within 90 days of opening the account. The following are excluded from cashback: 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.