Open a checking account that will always be free of charge and enjoy 3% gross interest for the first six months.
After this initial period, you continue to benefit from guaranteed remuneration until December 2027. All of this comes with no salary requirement, no minimum balance, and no fixed term.
Earn automatic interest on balances up to €1 million, credited to your account every month.
The rate is reviewed every three months, with updates communicated clearly and transparently.
No fees. Physical and virtual debit cards included
Make payments, transfer funds, withdraw cash, and check your balance anytime, without restrictions.
Use your free debit card to receive 3% cashback on all purchases during the first six months, both in-store and online.
For every friend you refer who opens a BBVA account, you receive €20, up to a maximum of €200. Your friend will also get a €10 welcome reward.
Deposit your salary or monthly income of at least €800 to qualify for reduced interest rates on products such as loans and mortgages.
Take your BBVA Current Account further by exploring our Savings and Investment products, including Flexible Deposits and Investment Funds, designed to help your money grow.
Set up automatic rules to save effortlessly while continuing to earn monthly interest.
Benefit from flexible solutions such as Pay&Plan, instant loans, salary advances, and credit cards.
Monitor your finances and keep track of card usage directly from the app.
Carry out transactions securely with biometric access and cards that have no printed numbers.
Opening a BBVA Online Current Account comes at no cost. There are no fees for account opening or management.
Applicants must be at least 18 years old, reside in Italy, own a compatible smartphone, and provide one of the accepted identification documents.
You can verify your identity with either an Italian electronic identity card or a valid driving license.
At this time, the BBVA account can only be opened in the name of a single individual.
Interest is guaranteed over the long term. The rate is reviewed every three months and adjusted in line with market conditions, with updates communicated to you in advance.
Offer Terms
This offer applies to 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 required. Interest accrues daily based on the current account balance at the end of each day and is credited in a lump sum during the first business days of the following calendar month. Payments are made via direct deposit to the account, net of any applicable tax withholdings.
During the first six months after account opening, a gross interest rate of 3% applies. Following this period and until December 31, 2027 (which may be extended at the Bank’s discretion), the gross interest rate will be reviewed quarterly and will not fall below 25% of the European Central Bank (ECB) Deposit Facility rate, calculated the day before the start of each quarter. The current ECB deposit rate is available at www.ecb.europa.eu
, and BBVA will notify customers of the applicable rate at the start of each quarter.
Simulator Terms and Conditions
Interest amounts in simulations are calculated gross of current tax withholdings, assuming the balance in the Current Account and any active Savings Accounts remains constant throughout the indicated period. Any increase or decrease in the balance will affect the interest earned.
The offer remains valid for customers opening a BBVA account by September 30, 2025. Interest accrues daily on balances up to €1,000,000 and is paid monthly, net of applicable tax withholdings, via direct credit to the current account. During the first six months from account opening, the gross interest rate is 3%. Afterward and until December 31, 2027, the rate will continue to be applied, never falling below 25% of the ECB Deposit Facility rate, with quarterly updates communicated to customers in advance.
