Get higher returns
It combines a deposit, always with the same interest, with an investment fund.
BBVA Combined Deposit
Combine the peace of mind of a deposit and the returns of a fund
Combine a fixed-term deposit with an investment fund and choose the option that's right for your savings.
- Fixed interest rate of up to 0.65% APR (0.65% NIR).
- Invest from €600.
- 13-month term.
Take advantage of the benefits of the BBVA Combined Deposit
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Easy and fast to open
Open it online quickly and securely. -
Your savings are always available
Allows total and partial withdrawals.
Choose which type of combined deposit you are most interested in:
- Invest 30% in the fund and 70% in the deposit.
- Invest 50% in the fund and 50% in the deposit.
- Invest 70% in the fund and 30% in the deposit.
How does the BBVA Combined Deposit work?
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This product combines a fixed interest deposit with an investment fund. The Combined Fixed-Term Savings Account offers greater returns by combining the savings product with an investment fund. According to how you distribute your savings, you will enjoy a varying rate of return, with fixed interest of up to 0.65% APR (0.65% NIR). The minimum deposit is €600 and the maximum is €500,000, with a term of 13 months. At least 30% of the overall investment must be channeled into the investment fund, and the fixed-term savings account must not represent more than 70% of the total.
Example of combinations
Example for an investment of 10,000 €
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Combination 30% fund, 70% deposit |
Combination 50% fund, 50% deposit |
Combination 70% fund, 30% deposit |
|---|---|---|
| Combination 30% fund, 70% deposit
Funds €3,000 | Combination 50% fund, 50% deposit
Funds €5,000 | Combination 70% fund, 30% deposit
Funds €7,000 |
| Combination 30% fund, 70% deposit
Deposit €7,000 | Combination 50% fund, 50% deposit
Deposit €5,000 | Combination 70% fund, 30% deposit
Deposit €3,000 |
| Combination 30% fund, 70% deposit
Interest 0.15% APR 0.15% NIR | Combination 50% fund, 50% deposit
Interest 0.40% APR 0.40% NIR | Combination 70% fund, 30% deposit
Interest 0.65% APR 0.65% NIR |
These returns are only for the deposit. The return on the fund will depend on how the markets perform. The payment of these rates will be made provided that you maintain the minimum number of shares required for each type until the deposit's maturity. Otherwise, interest will be paid at 0.01% NIR (0.01% APR).
Example of returns
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Example of the returns on a deposit with a €10,000 investment, 30% of which is invested in a deposit. With the amount allocated to the linked investment fund you acquire shares, which, if maintained in that linked fund until the deposit matures, may increase the return on your deposit.
| Sample APR calculation if requirements met | Sample APR calculation if requirements not met |
|---|---|
| Sample APR calculation if requirements met
Amount €3,000 | Sample APR calculation if requirements not met
Amount €3,000 |
| Sample APR calculation if requirements met
Term 390 days | Sample APR calculation if requirements not met
Term 390 days |
| Sample APR calculation if requirements met
Gross interest €20.84 | Sample APR calculation if requirements not met
Gross interest €0.32 |
| Sample APR calculation if requirements met
Interest rate 0.65% APR (0.65% NIR) | Sample APR calculation if requirements not met
Interest rate 0.01% APR (0.01% NIR) |
What funds can you link?
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These are the investment funds that you can take out with the Combined Deposit:
- BBVA Bolsa Europa, FI A.
- BBVA USA Desarrollo ISR Cubierto, FI.
- Quality Mejores Ideas, FI.
- Quality Inversión Conservadora, FI.
- Quality Inversión Decidida, FI.
- Quality Inversión Moderada, FI.
- BBVA Consolidación 85, FI.
- BBVA Bonos Internacional Flexible 0-3, FI.
- BBVA Futuro Decidido
- BBVA Mi Objetivo 2031, FI.
- BBVA Futuro ISR, FI A.
- BBVA Global Desarrollo ISR, FI A.
- BBVA Bonos Sostenible ISR, FI.
- BBVA Equilibrio Sostenible ISR, FI.
- BBVA Europa Desarrollo ISR, FI.
- BBVA Megatendencia Planeta Tierra ISR A, FI.
- BBVA Bonos Corporativos Largo Plazo, FI.
- BBVA Bonos Corporativos, FI.
If you would like, you can view our complete catalog of funds. If the fund that you choose is not listed above, it will not be possible to combine it with this fixed term savings product.
Get answers to all your questions
Yes, you can withdraw all or part of it before the maturity date without losing the invested capital. We will apply a 0.01% NIR to the amount you withdraw during the days for which the deposit was open, instead of a 0.02% NIR. Doing so does not mean cancelling the investment fund and vice versa.
We will also apply a penalty of 0.01% NIR to the amount you withdraw from the withdrawal date until the maturity date. This amount may not exceed the interest generated.
Investment funds offer variable returns that will depend on the performance of the assets in which the fund has invested the capital. If you want to close the linked investment fund, you have to request it. The investments will be redeemed at market value, which could mean a loss on the initial investment.
BBVA Combined Deposit