BBVA flexible fixed-term deposits with attractive interest rates

Fixed interest rates, yet still flexible

  • Choose a term between 6 months and 5 years and secure reliable interest rates on your savings.
  • Invest between €500 and €1,000,000.
  • Early termination and full or partial payout possible at any time.

Solid interest rates for every term

Terms Interest rate
Terms
Term
6 months
Interest rate
Interest rate
2.30% p.a. a. 
Terms
Term
12 months
Interest rate
Interest rate
2.70% p.a. a.
Terms
Term
2 years
Interest rate
Interest rate
2.80% p.a. a.
Terms
Term
3 years
Interest rate
Interest rate
2.90% p.a. a. 
Terms
Term
4 years
Interest rate
Interest rate
3.00% p.a. a.
Terms
Term
5 years
Interest rate
Interest rate
3.20% p.a. a.
How do you calculate the interest rate on BBVA's flexible fixed-term deposit?

How do you calculate the interest rate on BBVA's flexible fixed-term deposit?

Achieve more and stay flexible

  • Guaranteed interest rates

    Choose a term between 6 months and 5 years with an interest rate ranging from 2.30% to 3.20% p. a.

  • Legally secured

    Your money is protected by the Spanish Deposit Guarantee Fund (FGD), up to €100,000 per customer.

  • Easy to open

    All you need to open your flexible fixed-term deposit is a free current account at BBVA.

  • Complete flexibility

    You can partially or completely cancel your investment at any time and withdraw your money before the end of the term.
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 in the first month with your physical or digital BBVA debit card.*
  • The amount is transferred directly to your account.

This is how you open your flexible fixed-term deposit

  • Open your current account: Get started right away – it only takes a few minutes to open an account.
  • Deposit money into your current account with your debit or credit card from another bank, or via transfer or cash deposit.
  • Easily apply for the flexible fixed-term deposit account via the BBVA App. You can pay in between €500 and €1,000,000.

To use your flexible fixed-term deposit, open your free current account

  • A current account that never charges fees and has no conditions, like a salary deposit.
  • Free physical and digital debit cards included.
  • Automatic interest on your current account balance, up to €500,000.

Take advantage of your free current account, including debit card:

  • 3% interest p.a. on your current account balance, up to €500,000 for the first 6 months. This is without conditions and requires no minimum amount.**
  • 3% cashback on your purchases bis zu  monatlich innerhalb der ersten 6 Monate, mit Gutschrift direkt auf dein Konto.
  • Savings account with 3% interest pa: The interest rate for your Savings Box is based on the up-to-date interest rate of the current account.

 

More than 79 million people worldwide trust us with their banking. Join us!

Others were also interested in

Any questions?

Contract documents

This document governs the investment of a specific fixed-term deposit amount that binds the customer and the BBVA German branch at a fixed interest rate for a defined term, taking into account the applicable terms and conditions.

Download PDF

Read the terms and conditions for the fixed-term deposit account, which clearly and transparently summarizes the most important economic and contractual features of the BBVA flexible fixed-term deposit – including costs, availability periods and applicable conditions.

Download PDF

*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/.

Open an account