Smart savings with BBVA

Saving has never been easier

  • Combine BBVA's savings offers: Current account with interest, savings account, and flexible fixed-term deposit.
  • With transparent terms and conditions.
  • 100% online via the BBVA app.

Let your money work for you

Benefit from a long-term interest rate

Receive 3% interest p.a. on your account balance, up to €500,000 for the first 6 months. Continue to benefit from a variable interest rate, guaranteed for 5 years.

Use your BBVA current account for your daily banking needs and earn monthly interest – without any conditions or additional effort.*

Put money aside in your savings account

  • A free feature of your current account that helps you reach your savings goals.
  • You will continue to receive 3% interest p.a. on your savings box balance.
  • Set your own automatic rules to save effortlessly.

Guaranteed returns with flexible fixed-term deposits

Choose one flexible fixed-term deposit that keeps your money secure and lets it grow: Get up to 3.20% p. a. depending on the term. In the event of early termination, you will receive 1% interest p.a. on the deposited amount.
10% extra cashback promotion for opening a BBVA account in Germany

Now get 10% extra cashback

  • Secure up to €50 extra cashback on your purchases during the first month with your physical or digital BBVA debit card.**
  • The amount is transferred directly to your account.

The debit card for everything: flexible, secure, and accessible

  • Free physical and digital debit card for your daily banking.
  • 3% cashback on purchases for the first 6 months after opening your account, up to €350 per month.
  • Free cash withdrawals starting at €150 at all Mastercard ATMs within the EU.

Everything in one app

Manage your account directly from your smartphone and quickly and easily take care of your banking transactions.

Allow your money to grow every day and join over 79 million people who do the same!

Practical tips for effective saving

*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. The current ECB deposit facility rate is available 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/.

**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.

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