BBVA Germany | Online banking

BBVA

About this app

💰 YOUR FREE CURRENT ACCOUNT WITH INTEREST ON YOUR ACCOUNT BALANCE
Free online account and debit card
Earn interest on your account balance
Monthly interest payments: no salary or balance requirements
Get cashback on your purchases
Invite friends and earn rewards


💳 BBVA MASTERCARD DEBIT
- Strong safety features: Dynamic CVV, no printed card number, biometric access as well as easy activation and deactivation via app.
- Cash withdrawals at ATMs: Use the Mastercard ATM network in Germany and worldwide.
- Cash withdrawals in German retail stores, together with your purchase with the BBVA debit card, or with barcode via App.


📲 DAILY BANKING
- Transfer money easily and quickly: SEPA instant transfers are also free of charge with us.
- Mobile payments: Add your BBVA debit card to your digital wallet and pay contactless in stores and online.
- Top up your account: Easily deposit money into your account by using a card from another German bank.


📊 FINANCIAL CONTROL
– Easily check the balances and transactions of all your accounts and cards with the new BBVA Multibanking feature.
– Keep track of your daily spending with automatic categorization and smart expense analysis.


🎯 SAVINGS
- Receive interest on your current account balance: Your free current account with long-term interest and monthly credit.*
- Put money aside in your Sparbox: Define up to 5 savings goals and personalized savings rules with your free, digital Sparbox.
- Profit from a flexible deposit: Save your money securely and profit from attractive interest rates - with the flexibility to withdraw at any time.


📈 FLEXIBLE FINANCING
Pay in installments with Pay&Plan: Split purchases you have already made into installments afterwards. We transfer the full amount to your current account without waiting time and collect the first installment the following month.
Use the BBVA Instant Loan: Finance your projects easily and conveniently. Available for eligible customers 3 months after account opening.
Your overdraft is ready: Use your personal overdraft limit whenever you need it.
Access to Pay&Plan as well as to the instant loan and overdraft is subject to a prior credit check.


🔒 SECURITY
- Protect your account data from prying eyes with the new Discreet Mode.
- Pay securely with dynamic CVV: The security code is not printed on the card. A new code is generated in the app each time a transaction is carried out, for added protection.
- Manage your card easily and flexibly: Can´t find your debit card? Deactivate and reactivate your card any time via the BBVA App or limit its functionalities.
- Report any suspicious activity directly through the BBVA App: Our fraud prevention team is here to help, anytime.


✅BECOME A BBVA CUSTOMER
Open your BBVA online account in just a few minutes in 2 simple steps:
1. Register as a new customer
● Enter your personal data.
● Create your username and password.
● Sign the contract documents..


2. Verify your identity
● Download the BBVA App.
● Log in using your credentials.
● Our service team verifies your identity via a video call.


All you need is
● A stable internet connection
● A valid ID


☎️ 24/7 CUSTOMER SUPPORT
We are here for you around the clock at [phone]
In Germany and from abroad. The cost of the call depends on your provider.
You can reach our German-speaking team 24/7. Our English-speaking customer service is available daily from 7 AM to 9 PM.
Banco Bilbao Vizcaya Argentaria, S.A. - German branch. Neue Mainzer Straße 28, 60311 Frankfurt am Main (Deutschland).

Ratings and reviews

The app is so cumbersome and counter intuitive. It always takes a few minutes to find what I was looking for. It feels not the most transparent to me (for instance, interest calculations) and the fact that scheduled transfers are sent on the day but will still take a few days to arrive feels weird in the era of instant transfers. Stayed for the higher interest rate, but now that that's done I'll move back to slicker apps with better UX.

The app crashes when trying to start the video identification process. This happens several times in a row. Android 10. In addition, truly endless requests to download documents. And of course no other way than through a crooked application or website interface. Finally, call us and we'll explain how on earth to upload these documents to our damn app. Shame.

Would not recommend at all. Sign up errors. Would prefer an postident option. Service 0/5. Thanks to the customer service I am locked out of my account. Already talked to 5 customer service reps and it was a waste of time. The lay out of the app leaves a lot to be desired. Discourages strong passwords. Ads should never be part of a banking app. Never! By default the camera records you using the app.