BBVA Deutschland Reviews 

It super bank , easy to use and customer friendly . I use it fir 2 months

Should be a proceed to log in in English or even Spanish

Card security. CVV is not secured. If a device used my CVV once then they can use it for ever even if i changed the CVV through the app.

Wasted a huge amount of time with their sign in process and identification process and then it rejected me for no reason. So I did it again and when I had the same random rejection, I wrote to them and they told me it was because their identification process isn’t working properly. What???? Wasting my time, taking my personal information and then they don’t even have a functional ID process? A big waste of my time and I don’t appreciate it. Avoid!

Easy to use app. Fast service feedback

What a horrible experience dealing with this bank. After trying to make a transfer, they have now blocked my account and I am not able to get any information on when I will be able to access my money again. I cannot recommend this bank!

Alles gut super Bank

Excelent app, quick to open an account, friendly and easy

So far so good!

Nn1980270@ gmail.com I want to update my email i send my all documents i have funds in my account they never send me a 4 digit pin of my card and I can't login they waste my time 😤 bad bad bad service
Plz in 1st line I add my email plz review

When im open new account, and after login to new device my account closed! Suüpport bad. Bad bank! Don‘t use! Him can steal and freeze your money. Need regulation Deutschland check this bank!

Super uncomplicated,
Especially in comparison with German bank accounts, no paperwork at all
All actions fully digital and efficient
1000% recommendation

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.

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.