Combined deposit


This number indicates the product risk, with 1/6 representing the lowest risk and 6/6 representing the highest risk.

This risk indicator refers exclusively to the deposit. The combined investment fund has its own level of risk; you can see this in the Key Investor Information Document (KIID).

BBVA is affiliated with Spain's Deposit Guarantee Fund for Credit Institutions. The maximum amount guaranteed is €100,000 euros for the total of all deposits established at BBVA per person.

Full or partial redemption, withdrawal, or early return of the principal invested will be subject to fees or penalties.

Get higher returns with your deposit.

If you combine a fixed-term deposit with an investment fund, we offer you a better return.
  • Up to 0.65% APR (0.65% NIR).
  • From €600.
  • Lasts 13 months.

How does it work?

  • This product combines a fixed term 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.

    See example of combinations

What funds can you link?

Apply for the Combined Deposit

Would you like more information?

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Be a BBVA customer.

  • At BBVA, we offer several deposits so you can get the most from your savings.
  • We are leaders in digital innovation working to make your life that bit easier.
  • Our approach is based on transparency, clarity and responsibility.

Deposit calculator

The easiest way to know the returns you would get with a deposit.

It is a simple and fast process: enter the amount you want to invest, the interest rate for the deposit, and the term of the investment. The BBVA deposit calculator will display your earnings right away
Combined deposit Apply