The simulator is for informational purposes only and its estimates are non-binding. These are based on the data entered by the user and on the BBVA account's terms and conditions that were in effect at the time of the simulation. The results are non-binding and may change depending on the contract terms and promotional terms and conditions that are currently valid. Current conditions that were taken into account for the estimate: 

Interest accrued during the first 6 months:
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 2.25% 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.