BBVA Flexible Deposit
1.75% BBVA Flexible Deposit for 12 Months
This savings account helps protect your money while allowing it to grow daily.
Enjoy a checking account and debit card that are free forever.
The account can be opened in just over five minutes, making it quick and easy to get started.
Accessing the deposit is simple. Open a zero-fee current account to get started.
Your savings are guaranteed, earning 1.75% gross interest for 12 months. If you withdraw early, you will receive 1% gross on the deposited amount.
There are no conditions or penalties. You can cancel your deposit and withdraw your money at any time.
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Our experts have carefully analyzed a range of funds to match different investment styles and objectives.
Set up recurring payments to invest consistently and progress toward your goals. Deposits can start from as little as €5.
Use filters to find funds that suit your preferences and compare up to three funds side by side to make informed decisions.
Set up your account in just over five minutes and start using it immediately.
Easily add funds from the app by selecting your account, tapping Show More, and choosing Top Up. You can use a debit or credit card from another bank or make a bank transfer.
Within the app, go to Activate a Service > Savings and Investments > Deposit > Activate. You can deposit amounts ranging from €500 to €1,000,000.
Discover a range of savings and investment solutions, including Flexible Deposits and Investment Funds.
Benefit from transparent conditions, maintain full access to your funds, and manage everything completely online through the BBVA App.
The Flexible Deposit is a savings solution where the amount you deposit earns interest depending on how much you invest and for how long you keep it.
To access the deposit, you must first open a BBVA Online Current Account with no fees. After creating your account, you can activate the deposit directly in the BBVA app under the “Activate a Service” section.
The deposit runs for 12 months starting from the contract signing date. It doesn’t renew automatically, and once it matures, both your initial deposit and the accrued interest will be transferred to your BBVA current account.
Early withdrawal is allowed at any time, with no fees or penalties. However, if you cancel before maturity, the return will be adjusted to 1% gross on the amount saved. You can request cancellation directly through the app or the website.
Deposits start at a minimum of €500 and go up to €1,000,000 for each BBVA deposit account.
It is possible to open multiple deposits simultaneously, with each one having its own contract. Keep in mind that the combined total cannot exceed €1,000,000.
Cashback Promotion
The promotion applies to the first €280 of purchases made each month with a debit card, valid for the first six months starting from the first purchase. To qualify, a BBVA Account must be opened by September 30, 2025.
Important Notice
This is an advertising message with promotional purposes. Full details are available in the “Transparency” section of bbva.it.
Offer Conditions
The offer is available to customers who open a BBVA Account by September 30, 2025. The gross annual interest rate applies to account balances up to €1,000,000, with no minimum balance required. Interest accrues daily, based on the account balance at the end of each day, and is credited in a single monthly payment during the first business days of the following month. The credited amount is net of any applicable tax withholdings.
For the first six months after account opening, a gross interest rate of 3% applies. After this initial period, and until December 31, 2027 (extendable at the Bank’s discretion), the gross rate will be revised quarterly and set at 25% of the European Central Bank (ECB) Deposit Facility rate, calculated the day before each quarter begins. The applicable ECB rate can be checked at www.ecb.europa.eu
. BBVA will notify customers of the applicable rate at the start of each quarter.
Simulator Terms and Conditions
The interest amounts shown in the simulator are calculated before tax withholdings, assuming the balance in the Current Account (including any linked Savings Accounts) remains unchanged for the full simulation period. Any variation in the balance will affect the interest earned.
For customers opening a BBVA Account by September 30, 2025, the same conditions apply: a gross annual interest rate calculated on balances up to €1,000,000, with no minimum amount. Interest accrues daily and is credited monthly, net of applicable tax withholdings, directly to the current account. A 3% gross interest rate applies for the first six months. After this period, and until December 31, 2027 (extendable at the Bank’s discretion), the customer will receive a gross interest rate, reviewed quarterly, equal to 25% of the ECB Deposit Facility rate. As before, BBVA will communicate the applicable quarterly rate at the beginning of each quarter.
