BBVA Flexible fixed deposit — 3.50% p.a.

Spain (German branch) · EUR · tenor 5 years · as of August 2026

EUR · 5 years

BBVA German branch five-year fixed deposit: 3.50% p.a. on the official table — the highest EUR rate in this overview, from €500, with a free current account.

Rate p.a.: 3.50%
Product: Flexible fixed deposit
Tenor: 5 years
Minimum deposit: €500
Maximum deposit: €1,000,000
Interest paid: Per the BBVA fixed-deposit contract (Flexible Festgeld)
Deposit protection: Statutory Spanish / EU deposit guarantee (FGD, up to €100,000)
Currency: EUR

BBVA publishes on bbva.de for Flexible Festgeld: 6 months 2.85%, 12 months 3.10%, 2 years 3.20%, 3 years 3.30%, 4 years 3.40%, 5 years 3.50% p.a. The five-year rate is the bank’s peak, not the whole EUR market.

Deposit €500 to €1,000,000. Unlike a classic fixed deposit, BBVA allows early (partial) withdrawal — interest and conditions are in the contract and we clarify them on a call.

Cover via the Spanish fund (FGD) up to €100,000. Also relevant for investors resident in Switzerland.

Terms

Tenor: 5 years (60 months)
Minimum: €500, maximum €1,000,000
Early access possible per the bank (terms in the contract)
Source: BBVA Germany, Flexible Festgeld, as of August 2026

Official bank page: BBVA

Who it suits

Investors with a euro amount from €500 and a multi-year horizon — including those resident in Switzerland.

Risks and notes

Five-year lock-in if you do not use the flexibility clause.
Spanish protection scheme; amounts above €100,000 are uncovered.
Early closure can reduce the return — read the contract.

Rates are indicative. The deposit sits with the bank — details in the terms. Terms