How long is this offer valid for?

You can sign up at branches or bbva.es until 12/31/2022. Approval is subject to prior approval by Banco Bilbao Vizcaya Argentaria S.A.

Do I have to be a BBVA client?

Yes, to sign up for the Combined Fixed-Term Savings Account, you need to have a BBVA account. Both the fixed-terms savings and the investment fund with which it is combined allow only a single account holder and both will be linked to the same BBVA account.

How is the interest paid?

They will be paid into your account after the corresponding statutory tax withholdings have been made. This is done because the interest on the deposit is considered a capital gain. In the case of the investment fund, individuals with tax residence in Spain, under current legislation, will be able to perform transfers to other funds with no impact on their personal income tax, deferring taxation until it is redeemed in full, so long as the requirements of tax legislation have been met.

Does it automatically renew?

The deposit is not automatically renewable upon maturity. The fund, however, does not have a maturity date and you can choose to keep it or to redeem it at market value, which could lead to a loss on the initial investment.

Can I withdraw from the fixed term savings account?

You have the right to cancel the deposit within 14 calendar days from the date of the contract. The bank will cancel the contract and return the deposited amount to your BBVA account.

What features do the investment funds offer?

The funds are an alternative diversified investment, as they invest in several assets, which reduces the risk compared to investing in a single asset. There is a wide variety of investment funds with very varied risk profiles. Funds offer the opportunity to invest in different types of assets, geographical areas, currencies, etc. You can choose the funds that best fit your goals and needs. Investment funds offer the advantages of professional management for amounts within reach of the retail investor. One of the characteristics of the investment funds is their liquidity, since you can usually buy and sell shares at any time without a subscription or reimbursement fee. However, with some products this possibility may be limited by the application of subscription or reimbursement fees at certain times or for certain amounts. You should therefore read the documentation and characteristics of each fund. Under current legislation, individuals with tax residence in Spain make transfer investments to other funds with no repercussions on their person income tax, and deferring taxation until it is redeemed in full, so long as the requirements of tax regulations are met. As with any other investment product, investing in funds entails assuming a certain level of risk. All funds involve a level of risk (depending on their specific characteristics and the assets invested in), which means that losses may be incurred on the capital invested. You can check the specific risks of each fund in the brochure available at BBVA.

Pre-contractual information documents

You can check the product's pre-contractual information for more details. Remember that this document is for information purposes only. During the application process you will receive all the documents so you can check them. Combined fixed-term savings account 30% + Investment fund 70%: <a href="https://www.bbva.es/en/content/dam/public-web/bbvaes/documents/productos/depositos/deposito-combinado/precontractual-depostido-combinado-30-70.pdf" target="_blank" aria-label="Abrir documento PDF de Depósito Combinado 30 % + Fondo de inversión 70 %. Open in a new browser. global.link.target.blank.text" title="Abrir documento PDF de Depósito Combinado 30 % + Fondo de inversión 70 %. Open in a new browser. global.link.target.blank.text">open document . Combined fixed term savings account 50% + Investment Fund 50%: <a href="https://www.bbva.es/en/content/dam/public-web/bbvaes/documents/productos/depositos/deposito-combinado/precontractual-depostido-combinado-50-50.pdf" target="_blank" aria-label="Abrir documento PDF de Depósito Combinado 50 % + Fondo de inversión 50 %. Open in a new browser. global.link.target.blank.text" title="Abrir documento PDF de Depósito Combinado 50 % + Fondo de inversión 50 %. Open in a new browser. global.link.target.blank.text">open document . Combined fixed term savings account 70% + Investment Fund 30%: <a href="https://www.bbva.es/en/content/dam/public-web/bbvaes/documents/productos/depositos/deposito-combinado/precontractual-depostido-combinado-70-30.pdf" target="_blank" aria-label="Abrir documento PDF de Depósito Combinado 70 % + Fondo de inversión 30 %. Open in a new browser. global.link.target.blank.text" title="Abrir documento PDF de Depósito Combinado 70 % + Fondo de inversión 30 %. Open in a new browser. global.link.target.blank.text">open document .

RISK LEVEL

1/6

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.

Combined 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.

Example of combinations

Example for an investment of 10,000 €

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

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

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?

These are the investment funds that you can take out with the Combined Deposit:

BBVA Bolsa Europa, FI A.

BBVA Bolsa USA (Cubierto).

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 Mi Objetivo 2026, FI.

BBVA Mi Objetivo 2031, FI.

BBVA Futuro Sostenible ISR, FI A.

BBVA Bolsa Desarrollo Sostenible ISR, FI A.

BBVA Bonos Sostenible ISR, FI.

BBVA Equilibrio Sostenible ISR, FI.

BBVA Europa Desarrollo Sostenible ISR, FI.

BBVA Megatendencia planeta tierra.

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.

Go to fund search

Apply for the Combined Deposit

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Would you like more information?

Yes, you can cancel all or part of it before the maturity date without losing the invested capital. We will apply 0.01% NIR to the amount you withdraw, during the days for which the deposit was contractually opened, instead of 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 cancel 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 would like to cancel the linked investment fund, you must submit a cancellation request. The investments will be redeemed at market value, which could mean a loss on the initial investment.

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

Calculate

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Combined deposit

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Combined deposit