Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Go to main content
BBVA Home
  • People
  • Self-employed professionals and businesses
  • Become a customer
  • Access Access Access
  • Menu Close
Products
Home
  • Accounts
  • Cards
  • Mortgages
  • Loans
  • Insurance
  • Pension plans
  • Mutual funds
  • Deposits
  • Investment portfolios
  • Savings insurance
  • Stock exchange and markets
  • BBVA Autorenting
Invite a Friend Plan
Branches and ATMs
BBVA Newsroom
Try out BBVA without being a customer
  • Español
  • Català
  • English
  • Galego
  • Euskara
Individuals Self-employed people and companies
  • Home
  • Accounts
  • Cards
  • Mortgages
  • Loans
  • Insurance
  • Pension plans
  • Mutual funds
  • Deposits
  • Investment portfolios
  • Savings insurance
  • Stock exchange and markets
  • BBVA Autorenting
Click enter
Suggestions

    Experiences

    • Bank Moving Service

      Bank Moving Service

      Switch to BBVA and we'll handle all the paperwork for you

    • Try out BBVA without being a customer

      Try out BBVA without being a customer

      Discover the features of the BBVA app without opening an account.

    • Bizum

      Bizum

      Send and receive money from your phone instantly. As easy as sending a message.

    • My everyday operations

      My everyday operations

      Track your income and expenses, organized by categories and subcategories.

    • Mobile payment

      Mobile payment

      Leave your wallet at home and pay for everything with your cell phone.

    • BBVA Valora

      BBVA Valora

      We'll help you evaluate the price of a car, a home and much more.

    Try out BBVA without being a customer

    We invite you to get to know it
    I'm interested
    Invite a Friend Plan Branches and ATMs BBVA Newsroom Try out BBVA without being a customer
    Access Access Access
    • Español
    • Català
    • English
    • Galego
    • Euskara
    Become a customer
    Click enter
    Suggestions
      ADVERTISING
      MM/DD/YYYY
      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

      The security of a deposit and the yield 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.
      Apply

      Enjoy its advantages

      • Get higher returns

        Combines a fixed-term deposit with an investment fund.
      • Easy and fast to open

        Open it online quickly and securely.
      • Your savings are always available

        Allows total and partial withdrawals.

      Choose from different options for investing

      • 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.

      Apply for the Combined Deposit

      Do it quickly and securely

      Apply

      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?

      • 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 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.

        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

      Do it quickly and securely

      Apply

      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.

      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.

      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.

      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.

      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.

      • 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.

      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%: open document.
      • Combined fixed term savings account 50% + Investment Fund 50%: open document.
      • Combined fixed term savings account 70% + Investment Fund 30%: open document.
      Combined deposit
      Apply
      Offer valid during current month
      1. Deposits
      2. Combined deposit
      Footer
      • More BBVA

        • Private banking
        • BBVA for young people
        • BBVA for Seniors
        • BBVA Collectives
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • bbva.com
        • Currency exchange
      • The latest

        • Help Ukraine
        • Promotions and offers
        • Financial Health
        • Sustainability
        • Cybersecurity
        • COVID-19 grants
        • Bank Moving Service
        • Account transfer
        • Payment of debit entries
        • Holiday calendar
      • Calculators and simulators

        • Loan Simulator
        • Car loan calculator
        • Mortgage calculator
        • Mortgage switching calculator
          Elección Account Calculator
          IBAN calculator
          Salary calculator
          Gasoline cost calculator
          BBVA Valora
          BBVA Invest
      • Utilities

        If you want to report a vulnerability you have found in BBVA, please click here

        Branches and ATMs

        Getting started in the app

        Everything from your cell phone

        Finances at a glance

        Economic dictionary

        Apps

        Accessibility

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2023

      Creating Opportunities