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    Combined deposit

    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.

    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.

    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
    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?

    Apply for the Combined Deposit

    Apply

    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.

    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
    Calculate
    Combined deposit
    Apply