Account documentation
It is important for you to know and understand the documents we make available to you before opening this account. You can view them here:
- IP Online Account and installment payment service: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.
- FID Online Account: information document about the fees applied for using the main services associated with the payment account.
- You can view a list of the most representative services associated with a payment account.
- IP Aqua Debit Card: document with the pre-contractual information detailing the conditions of the debit card that includes the account.
Authorized overdraft fees
If you have an overdraft on your account, such as when a bill is due and your balance is insufficient, the following fees will apply:
- Annual interest rate for authorized overdraft. 7.25% NIR.
- Fee for authorized overdraft in the account: 4.50% (minimum amount €15).
The APR resulting from the application of borrowing interest and the overdraft fee is legally restricted for "consumers" and cannot be more than 2.5 times higher than the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.