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BBVA Deutschland review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BBVA Deutschland suits German card holders who spend abroad and want a Mastercard credit card with no currency conversion charge and cashback on spending. The credit card carries an annual fee of €24 and a monthly fee of €0, with borrowing at 13.99%.

Key facts

Best for
German card holders who spend abroad and want cashback with no currency conversion charge
Annual fee
€24 (Source, checked September 26, 2026)
APR
13.99% (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
5% on online purchases and travel (promotional) (Source, checked September 26, 2026)
Perks
No printed card numbers, Dynamic CVV, 180-day chargeback protection (Source, checked September 26, 2026)
Cashback rate
5% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Banco Bilbao Vizcaya Argentaria, S.A. (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)
Features
Rewards
Official website
bbva.de

Debit cards

Monthly fee
€0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Free ATM withdrawals
€150 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
3% (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
Banco Bilbao Vizcaya Argentaria, S.A. (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInXTrustpilot

Pros and cons

Pros

  • Currency conversion fee of 0% against a site median of 1%
  • Cashback of 5% on online purchases and travel (promotional) on the credit card
  • Monthly fee of €0 on the account
  • Support runs on phone, email and chat and the card runs on mastercard

Cons

  • Annual fee of €24, above the site median of €0
  • Borrowing costs 13.99%, near the credit ranking median of 20.85%
  • The headline cashback rate of 5% on online purchases and travel (promotional) is promotional
BBVA Deutschland

Ready to try BBVA Deutschland?

Scored 9.2 / 10 by DebitCue.

See alternatives

Who it suits

  • People in Germany wanting a Mastercard credit card for travel
  • Card holders who want no currency conversion fee
  • Anyone who pays balances in full and wants travel cashback

Who should look elsewhere

  • Varo Believe Secured Credit Card, annual fee $0 against this card's €24
  • Chime Card (Secured Visa Credit Card), annual fee $0 and a Visa network
  • Bitpanda, annual fee €0 against this card's €24, for a lower running cost

How BBVA Deutschland compares

Where BBVA Deutschland is available

Available
Germany

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the BBVA Deutschland credit card cost to keep?+

The credit card charges an annual fee of €24 and a monthly fee of €0. Borrowing sits at 13.99%, below the credit ranking median of 20.85%, so carrying a balance is not the main reason to pick it.

Is there a currency conversion fee on the card?+

The currency conversion fee is 0%, well below the site median of 1% and the credit ranking median of 1.85%. That suits travel spending, where most cards add a charge on every conversion.

How much cashback does the card pay?+

Rewards come as cashback, with 5% on online purchases and travel (promotional) on the credit card. The standard rate is 5%, and the account also pays 3% cashback on its own spend.

What kind of card is it and how are cash withdrawals handled?+

The card runs on mastercard, and the range covers both a debit card and a credit card, with a card kind of credit and a card type of debit. Free ATM withdrawals run to €150.

How does the card protect against fraud?+

The card sets the security features listed as no printed card numbers, dynamic CVV and 180 day chargeback protection. That covers a dynamic CVV and a chargeback protection period, alongside a card with no printed card numbers, so a stolen card carries less information for a thief to use.

Who is the account for and which bank runs it?+

The account is built for the German market, with the legal entity Banco Bilbao Vizcaya Argentaria, S.A. behind it. Card holders who pay balances in full get the most from the cashback, since borrowing at 13.99% applies when a balance is carried.

How do you reach support?+

Support runs on phone, email and chat, so phone, email and chat all reach the bank. Cashback questions and currency conversion charges can both be raised that way, which matters most on a card with no foreign fee.

Does it pay anything other than cashback?+

Rewards are paid as cashback, not points or miles, which sets it apart from airline and distance schemes. Cashback is the most common rewards type among the 201 cards in the cashback ranking, and the only reward feature listed is rewards.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

BBVA Deutschland

BBVA Deutschland

German card holders who spend abroad and want cashback with no currency conversion charge

9.2/10See alternatives