How operate with the rules of Program your Account

We explain how to take advantage of this new service.

Managing your accounts should be a priority for any saver. At BBVA, we are aware of this priority and want to help you. Therefore, we offer the Set up your Account service so you can automate certain account features and stay on top of your money. For example, you can send any percentage of your salary, month-end balance, or budgets to another savings account, activate the rounding off function for your purchases, and set a minimum and maximum balance.

All these tools give you greater control over your account. What's more, they are easy to set up and do not involve any fees. However, to use these tools, you must hold at least two BBVA accounts (one of which must be linked to a debit card).

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Save with Set up your account
Use the six rules and achieve your goals quickly and easily

Activate your rules

If all this sounds simple, activating the different rules is a piece of cake. First, you need to access each rule. Once inside, you will see a brief description and several blank fields: you'll need to enter the following information: the source account number, the destination account number, and the possibility of activating notifications. They all work in the same way, except for the minimum balance rule, in which you set a limit for the source account.

To monitor the status of your activated rules, you and all account holders will receive a push notification every time a rule is executed (except for the rounding off rule, for which you will receive weekly notifications of how much you have saved the previous week). You will also be sent a periodic notification of how much you have saved over the previous three months. You can activate and disable this feature in the "Notifications and Alerts" section. You can also obtain more detailed information in the "Rules" section. What's more, the transfer information will be displayed in the destination account on the next business day.

Rules and doubts

The Paycheck Savings rule lets you transfer a percentage of your paycheck or pension to another savings account. You can activate this rule even if you do not receive a paycheck or pension. The rule will be activated when you start to receive one of these payments.

The Maximum Balance rule works in a very similar way. First, you set a maximum limit for your source account. Then, whenever this limit is exceeded, the extra money is transferred to a savings account of your choice.

The Minimum Balance rule is similar but works the other way round: you set a minimum balance limit. This will help you avoid situations in which you have insufficient funds or go overdrawn. To use this rule to transfer funds, you'll need to link a source account to a destination account. Can apply this rule to any type of account, except for in the Account Values BBVA. However, please note that this rule does not guarantee that you will avoid going into your overdraft, as it relies on there being sufficient funds in the source account. Likewise, it is important to remember that transfers will not be carried out if there are insufficient funds in the source account.

With the Rounding off rule, you'll save on every purchase you make using the linked debit card. When you make a payment, the amount is rounded up to the next euro and the difference in cents is transferred to your selected destination account. For example: If you buy something that costs €5.20, your card transaction summary will show a charge with that amount and a transfer of €0.80 (the result of rounding up to €6). At the end of each day, all the rounded off amounts are added up and the total is transferred from the linked account to your selected destination account. These transfers will appear in your destination account on the next business day and, of course, there are no transfer fees. But what happens if you decide to return a purchase? In this case, the money will remain in the destination account. If you want to transfer it back to the linked card, you'll have to do so manually.

With the End of Month Savings rule, you set a month-end account balance limit which will be automatically transferred to another destination account. This makes it easy to save money passively each month.

Finally, the Savings in Budgets rule lets you transfer the extra money from your budgets to another account. Bconomy lets you create a series of budgets to help you better organize your money. If you do not spend the money budgeted for a month, the surplus balance will be automatically transferred to your selected destination account.

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Tailored to your needs

The rules are designed to work for you. This means that you don't have to worry about going into your overdraft. In fact, if there are insufficient funds in the source account, the rule will not be executed.

There is also a solution for possible conflicts of interest between rules. If this happens, the Minimum Balance rule has priority over all over rules as it is executed first. After this, the other rules will be executed provided that there are sufficient funds in the source account.

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