BBVA Deutschland Reviews 953

I wanted to open a bank account - SMS was never sent for authorisation, so I couldn't start the video process. Password in the app was labelled as "wrong", although checked multiple times.
Written to support - they answered back with standard templates, never answered my questions and ignored my requests to delete my data.
After 5 angry emails, I finally got the confirmation that the data will be automatically deleted after 1 month of not finishing the process.
NEVER AGAIN with this bank!

BBVA delivers what it advertises: no hidden fees, a free debit card, no foreign transaction fees, 3 percent interest for six months, and cashback on purchases. As a free bank account, it meets the basic expectations.

That said, the mobile banking app could be improved. Tracking earned interest and cashback isnt very intuitive, and adding features like Freiesteuererklärung integration would make it more complete.

Phone support is responsive and English service is helpful, but the authentication method feels outdated. A modern 2FA option would improve security and convenience.

Apple Pay works, but with limitations some payments are rejected, and there Is no virtual card. The absence of joint accounts is also a drawback.

Overall, BBVA is a decent free online banking option, but it feels fairly basic compared to competitors.

Very bad! Support clients don’t work good with clients (by email) never not answer. 1 mounts I ask help to change my phone numper support center , because I can’t login , they ask information to send, but when I already send all - they don’t answer anymore!!! Give me back so money what I have there , if not I should send complaints everywhere Very bad! Support clients don’t work good with clients (by email) never not answer. 1 mounts I ask help to change my phone numper support center , because I can’t login , they ask information to send, but when I already send all - they don’t answer anymore!!! I should send complaints everywhere

Overall I’m fairly pleased with BBVA, but there is still significant room for improvement.

I joined BBVA in November 2025 after leaving Commerzbank, mainly due to increasing disappointment with their service quality and the fact that is no longer free. BBVA’s sign-up benefits such as cashback and savings offers are nice, but I wouldn’t recommend joining solely for those, as they only last six months.

Over the past two months, I’ve had issues receiving my physical card. This may partly be due to the location of my mailbox, as delivery drivers sometimes struggle to find it. On the positive side, phone support is quick to answer, and the English-language support is decent but I'm not a fan of the call authentication process, which requires providing specific positions of a password. I would strongly prefer a more modern zero trust option such as SMS-based 2FA. (around 4/5).

The most frustrating aspects are the in-app support conversations, where agents sometimes stop responding, and a recurring app issue where I need to press the login button multiple times before it opens.

Apple Pay is supported, but the implementation is quite weak. It lacks some automatic integrations that Commerzbank offered, such as a separate virtual card and automatic details refresh. Additionally, some online merchants reject Apple Pay transactions, forcing me to use Revolut instead-something that never happened with Commerzbank and is honestly embarrassing for a primary bank.

I’m also disappointed to see that BBVA does not offer joint accounts. As I’m currently moving in with my partner, this may become a deciding factor for switching to another provider in the future.

Withdrawing and deposing money is also a slippery slope because there is a minimum withdraw amount of 150 euros in order to avoid fees and for depositing money it can be done via supermarkets but it's only temporary since they plan to stop supporting this in the future.

In summary, BBVA is acceptable as a free banking service with English support and a Visa card that works in most places. However, the service feels very bare-bones and lacks several features that I would expect from a modern bank.

BBVA's app, offering and service are all excellent. Some minor issues around account opening were resolved satisfactorily and on time

It is an really easy to use app, although I struggled a bit at the beginning to learn how to make transactions. I'm really happy with how smooth and fast everything is.

Fraud case involving a transfer to a BBVA account in Germany.
I immediately submitted a recall request through my bank and filed a report with the relevant authorities. After 35 days, the only response we received was “AC04 / Account Closed”, with no clarification regarding the actual status of the funds (whether they remain under investigation / compliance hold or have been moved).

This is particularly concerning given that, according to many recent customer experiences, BBVA applies very strict and time-consuming procedures even for simple account actions (such as increasing limits or closing an account). Yet in my case — where there is a confirmed financial loss due to fraud — no transparent information has been provided about what happened to the money or what procedure was followed.

Furthermore, while customers consistently report rigorous controls when opening or using accounts, it was still possible for a third party involved in a fraud case to use an account in this incident, without any clear explanation or follow-up communication from the bank.

Overall, this experience raises serious concerns about trust, security and transparency in the way BBVA handles fraud-related cases and communicates with affected parties.

Very Good easy really Nice Services . Very very Nice Bank .

I opened the account after seeing an ad offering installment payments with a debit card, but every time I try to activate this option, I get an error. I really feel like it was misleading advertising to attract customers.

Hello Bafin, Deutsche Bundesbank and Werberat,

As you have seen from the email thread of the past weeks BBVA Germany owes me cashback.

Not only has their complaints department not bothered responding to my complaint in over 2 weeks - which is unheard of and completely unprofessional, their customer service repeatedly lies that it will be on my account on a certain day and it never is (see the screenshots attached) and always change their story on the promotion.

This is FALSE ADVERTISING, which is illegal and a scam and as BBVA is refusing to credit the cash back they owe me you should investigate them.

BBVA - I am now posting relentlessly on your Trustpilot and social media till you give me the cash back you owe me since WEEKS.

terrible... verification is by crazy people.. im not robot to play with id over camera.

Transaction are fast. all banking function works smoothly

The rules are quite simple: no hidden fees, free Mastercard debit card, no fees for foreign currency payments, 3% p.a. interest for 6 months, Cashback for card purchasements... I got exactly what they promised I would get, and that's all I need!
As constructive feedback, I must say that it would be nice to include the Freiesteuererklärung somewhere in the app. Moreover, maybe the interface of the app should be worked a bit, because currently it's not easy to see the interests gained nor the cashback already accumulated.
Finally, that next time they do a typo in someone's name they don't need one month (!) to fix it

DO NOT OPEN a bank account here!!!!!!!!!!! The customer service has zero compatibility, zero IQ and I am more than serious. I opened a bank account which was already not smooth. I had to get a Meldebescheinigung for 10 EUR even though I live here for 6 years, btw I am an EU citizen. They did not accept my anmeldung nor any of my invoices I provided. I wanted information about how this 3% saving account works but from English customer service Jose picked up the phone who did not understand a word of English. So I was like I will solve it myself. I found only this 2% fixed term account. I opened it. Then I learned how the 3% account works. So I tried to cancel it immediately. According to terms and conditions I could do it within 14 days of opening. However in the application it does not have the function to cancel. So I did 6 times on the website. I got 6 times the message the cancellation was sucessful. Guess what, it never went through. I contacted the Customer Service thousands times via phone, via chat. I wasted hours of my life, I MEAN it. But I got the message again and again "cancel it in the application". Which is NOT WORKING!!!!!!!! Not working neither in the app nor on the website. Now 2,5 weeks later still we are at status que.

Great user experience. Intuitive banking app. Reachable customer service.

Easy Onboarding process and nice feature like the "Sparbox" to track certain saving goals.
The 3% Cashback and 3% interest rate is better than any other bank I know

good experience; felt safeguarded; very professional

All good, smooth process and great benefits

You can see the work behind this project and value a rapidly growing Digital Bank with a new proposal. The Digital Banking solution of BBVA comes to Germany to stay. They had some difficulties related to the rapidly growing business in this beginning which is very understandable in such situations. The Bank is yet one of the biggest in Europe and provides an innovative and strong value proposition that develops almost daily. I believe there is much more to come and I am eager to see everything the Bank has to offer. For me this is a hands down 5-Star Bank. I recommend it.