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 rate: 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.

Die nach den ersten 6 Monaten geltenden Zinskonditionen werden vierteljährlich aktualisiert. 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.

Cashback promotion: 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.

Für weitere Details zur Berechnungsmethode siehe den Abschnitt „So berechnen wir deine geschätzte Zusatzvergütung“. For comprehensive information on the BBVA account's costs, conditions, and features, please refer to the relevant documents in the Legal documents section available on the BBVA website.