Va Contigo Account
Become a BBVA customer and open a fee-free account
Exclusive account for new customers.
With a Va Contigo Account:
Fulfilling conditions: NIR 0% / APR 0%*, quarterly settlements.
Without fulfilling conditions: NIR 0% / APR -5.23%, for a daily balance of €3,000 constant for one year.
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You won't pay any fees if you bring your paycheck of €800 or more to BBVA.
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You'll have an adviser to help with whatever you need.
Don't pay fees
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Bring your paycheck of €800 or more to BBVA and avoid paying these fees:
- Account maintenance and administration.
- Online transfers within the EEA (1).
- Fee for cash withdrawals using a debit card at more than 6,000 BBVA ATMs.
- Annual issuance and maintenance for certain credit or debit cards, one per account holder (2).
- Issuing checks in euros, settling and trading domestic check deposits in euros.
Benefits
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You can enjoy these benefits if you meet at least one of these requirements:
- Direct deposit your paycheck for an amount of at least €800 (3).
- Direct deposit your pension or unemployment benefit from €300 (3).
- Deposit at least €2,500 per quarter via transfers or checks.
- Have an average monthly balance of at least €25,000. BBVA will take the following products into account for its calculation (Employee Pension Plans are not taken into account for this calculation):
- Investment Funds, ETFs, SICAVs (Open-Ended Investment Companies not included), Pension Plans, Unit Link.
- BBVA PIAS, BBVA Europlazo, BBVA Rentas, BBVA Rentas Aseguradas, BBVA Rentas variables, BBVA Rentas diferidas, BBVA Rentas PPA, and BBVA PPA Acumulación.
- Hold a minimum of 4,000 shares of BBVA in a single securities account associated with the bank account.
Offer valid for new applications from 01/09/2025 to 31/12/2025.
Va Contigo Account Legal:
(1) With bbva.es and the BBVA app you don't pay any fees on transfers in Euros, Swedish Krona or the Romanian Leu within the European Economic Area (members of the European Union & Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, 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.
(2) Annual issuance and maintenance fee waived on the following credit or debit cards, one per account holder: Aqua Credit, Aqua Debit, BBVA Youth Now, BBVA Youth Later, BBVA Business Credit, BBVA Business Debit, Business Electron, BBVA Business Agrocoop, Classic Agrocoop, BBVA Now, BBVA Later, BBVA Blue Now, BBVA Blue Later, Abacus, and Card 7.
(3) By transfer and in a single payment. The conditions must be satisfied in at least two of the four months before the current month. Example: In June, the conditions for February, March, April and May will be checked.
If you meet the conditions (direct deposit your paycheck from €800, pension from €300 or have a quarterly income of at least €2,500, etc.), the Nómina Va Contigo Account has no fees.
If the conditions for fee exemption are not met, the account costs are as follows:
- Account maintenance Service: €0 if conditions are met. (€160/year if conditions are not meet). APR: 00.0% calculated if the salary account requirements are met. APR: -5.23% if it does not meet the requirements (in the case of a regular daily balance of €3,000 for one year).
- Account administration service: €0 if conditions satisfied (€0/year otherwise)
- Annual fee for issuing and maintaining an Aqua Debit Card: €0 if conditions satisfied (€35/year otherwise)
- Annual fee for issuing and maintaining an Aqua Credit Card: €0 if conditions satisfied (€43/year otherwise)
- Clearing and trading fee for deposit of checks in euros in Spanish banks: €0 if conditions are satisfied (0.3% of the nominal value of the check if conditions are not met, minimum €3).