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: 

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 per annum  on your balance during the first 6 months, up to a maximum amount of €500,000.

During the following 6 months, the interest rate depends on your average monthly balance or account usage:

• 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.*

*2.50% p.a. for monthly payments with your BBVA debit card totaling over €1,500.

** Only payments to the BBVA current account that are marked as payroll or pension payments with a corresponding transfer key (wage/payroll or pension) are considered payroll or pension payments. Transfers from one's own account and transfers from private individuals are not considered.** Any 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 terms and conditions that are applicable after the first six months are updated every quarter.

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 starting from the first transaction with the debit card and applies to the first €350 in purchase value per month. 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.