Young Person's Online Account

The account that says goodbye to fees

• No maintenance fee. (1) 
• No administration fee.
• No fee for transfers from bbva.es, the BBVA app or ATMs. (2)

Also with your debit card

• No issue or maintenance fee.
• No fee for debit cash withdrawals at BBVA ATMs.

At ATMs abroad, there is a fee of 4.50% of the amount withdrawn (minimum fee: €3.50).

Do you have to make a payment and don't have money in your account?

The annual interest rate for an overdraft (when the bank advances you money when you withdraw money from your account, or a bill is debited, and there aren't sufficient funds) is 7.25% NIR (3) 

The account has an overdraft fee of 4.5% (€15 minimum). Calculated based on the maximum balance owed during the account settlement period (3). And the overdraft fee is €0 if it is less than €18 and €30 if it is more than €18

(1) APR: 00.0%

(2) Pay no fees at bbva.es, the BBVA app and ATMs on your transfers in euros, Swedish krona or Romanian leu within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, urgent transfers, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

(3) The APR resulting from applying the payable interest and the overdraft fee is legally limited for the "consumer" and cannot exceed 2.5 times the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.

Note 1: ​If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee.