Start strong with 3% gross interest and cashback for the first six months. Afterward, benefit from a guaranteed rate through December 31, 2027.
This account is built for flexibility:
With over 77 million customers worldwide, operations in more than 25 countries, and a history spanning 160 years, BBVA is recognized as one of the most established financial institutions.
As a fully digital bank, BBVA continues to deliver innovative solutions and trusted services to its growing customer base.
Enjoy 3% gross interest during the first six months on balances of up to €1 million. Your interest is credited automatically each month, with no conditions or requirements attached.
After the initial six months, your balance continues to earn interest with rates reviewed every three months in line with market conditions. Any changes are communicated to you in advance, with full clarity and transparency.
Receive 3% cashback on every purchase, both online and in-store, using your free debit card. Cashback is credited automatically each month, up to €280 per month, during the first six months.
Earn more than €50 in cashback when you use your BBVA Debit Card. By inviting friends, you can receive up to an additional €200. Rewards are earned simply by using your card and sharing it with others.
Enjoy instant SEPA transfers, cash withdrawals starting from €100, and purchases in foreign currencies, all with no fees.
Access all your banking services through a simple, intuitive app trusted by over 57 million customers.
Our dedicated team is available around the clock to assist you whenever needed.
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Benefit from a 0-fee account and debit card, both physical and virtual, with no hidden charges forever.
With BBVA’s Easy Change, you can apply online and let us handle the rest. We take care of transferring your bills, salaries, and payments automatically, with no paperwork, calls, or hassle.
Discover options to make your money work harder, including Current Accounts, Flexible Deposits, and Investment Funds.
Find solutions tailored to your needs, from installment payments with Pay&Plan to Instant Loans and flexible credit card management.
Plan your dream home with a fully online process, enjoy special offers, and use our calculator to estimate your monthly payments easily.
Promotion and Interest Terms
The cashback promotion applies to the first €280 of purchases each month for the first six months from the date of the first debit card transaction, for customers who open a BBVA Account by September 30, 2025.
The gross interest rate is calculated annually on balances up to €1,000,000, with no minimum amount required. Interest accrues daily based on the current account balance at the end of each day and is credited in a lump sum at the start of the following calendar month, net of any applicable tax withholdings, via direct deposit to the current account.
During the first six months from account opening, a gross interest rate of 3% applies. After this period, until December 31, 2027 (which may be extended at the Bank’s discretion), the gross interest rate will be updated quarterly and will equal 25% of the European Central Bank (ECB) Deposit Facility rate as calculated on the day before the start of each quarter. The applicable ECB deposit rate is available at www.ecb.europa.eu. BBVA will inform customers of the interest rate that will apply for the upcoming quarter at the start of each quarter.
