Free current account and debit card, free forever
Your free-forever current account, without conditions. With interest for balances up to €500,000. Includes a free debit card and cashback deposited in your account every month.
With BBVA, the balance in your current account and Savings Box accrues interest.
Fee-free physical and digital debit cards for the long-term, and without conditions.
Conveniently withdraw money at all Mastercard ATMS and at thousands of partners in German retail.
On purchases up to €350, credited directly to your current account every month.
To protect your account, your card does not have a printed number, and it comes with a dynamic CVV.
Make a purchase with your BBVA debit card, then divide the selected amounts into flexible installments. It's simple and transparent!***
Working with OpenAI, BBVA has integrated the first native finance app directly into ChatGPT.
BBVA App
Open your account in minutes with the BBVA App, save automatically and keep track of your spending at all times – no matter where you are.
Rediscover banking.
BBVA App
In discreet mode, your front camera detects the glances of strangers and hides data such as account balances.
More privacy. More security.
With My Trips you can plan your trips and keep track of your purchases at all times – all conveniently within the BBVA App.
More control. More freedom.
BBVA App
With the BBVA App you can withdraw and deposit cash at participating retail partners in Germany. Just create a barcode and have it scanned at checkout.
BBVA App
Connect your accounts from other banks to the BBVA App and keep track of your finances at all times. It's easy to set up and view.
Get support from our German-speaking team at any time, any day of the week. Our English-speaking customer service is available every day from 7 a.m. to 9 p.m.
Statutory deposit protection up to €100,000 per customer.
*Cashback-Aktion: Das BBVA Cashback-Angebot setzt die erstmalige Eröffnung eines BBVA Girokontos voraus und läuft für 6 Monate ab Kontoeröffnung.
10% Extra-Cashback: Die Cashback-Vergütung läuft ab der ersten Transaktion mit der Debitkarte für einen Monat. The first transaction must be completed within 90 days of opening the account. Die Vergütung gilt für deine Online- und Offline-Käufe mit der Debitkarte für die ersten 500 € Einkaufswert, was einer maximalen Vergütung von 50 € entspricht, bei Eröffnung eines BBVA-Kontos bis zum 07.04.2026. Offer valid for new customers only, subject to the respective terms and conditions.
3% cashback: The cashback reward lasts for 6 months beginning with your first transaction with the debit card. The first transaction must be completed within 90 days of opening the account.
The reward applies to your online and offline debit card purchases for the first €350 in purchase value. This is the equivalent of a maximum monthly reward of €10.50.
The following are excluded from cashback: 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.
More information at bbva.de and in the terms and conditions of participation.
**This offer requires that a BBVA current account be opened 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.
For the first 6 months after you have opened your account, the gross interest rate is 3% p.a. After these first 6 months, the balance will bear interest at a rate of 25% of the ECB deposit facility rate for a period of 5 years starting on the date that the account is opened. The interest rate is adjusted quarterly. The calculation is based on the interest rate for the ECB deposit facility, which is determined on the day before the new quarter. You can view the ECB's current deposit facility rate at www.ecb.europa.eu. The bank will notify the customer of the current interest rate at the beginning of each quarter.
The interest rate is calculated based on the sum of the current account balance and the Sparbox, and is credited every month to the current account.
You can find further information at www.bbva.de/en/.
***Starting on March 8, 2026, you'll get 0% interest p.a. the first time you split a payment into installments with Pay&Plan. Only for BBVA customers with Pay&Plan Limit. The first purchase must be paid in installments within 2 years of signing the Pay&Plan contract. Pay&Plan's terms and conditions apply.
More information at bbva.de.
Representative example according to § 17 PAngV: With a net loan amount of €70, a term of 7 months, and a fixed interest rate of 11.99% p.a., a. the annual percentage rate will be 12.45% p.a. Repayment is made in six equal monthly installments of EUR 10.40 each (if the product is acquired on April 11, 2026 ). April 11, 2026, the first installment would be €10.14). The total amount to be paid by the consumer is €72.54. For the first split purchase, the debit interest rate is 0% p.a. The lender is BBVA, German Branch, Neue Mainzer Str. 28, 60311 Frankfurt am Main.
