Fee-free Young Savers Account

What is the Young Person's Account and what makes it different from other BBVA accounts?

It's a fee-free account for young people aged 18 to 29, designed for everyday transactions: depositing money, making transfers, paying for physical and online purchases, setting up direct debits and using Bizum.

What are the advantages of the Young Person's Fee-Free Online Account?

This account has no fees or conditions. In addition, you can:

• Use your account and card for €0 without having to direct deposit/debit your paycheck/bills.
• Save automatically with Saving Rules.
• Withdraw cash at more than 4,500 BBVA ATMs across Spain.
• Send and receive money via Bizum from the app.
• Talk to our AI assistant 24 hours a day.

What are the requirements to open a Young Person's Account?

You need to be between 18 and 29 years old, be a new BBVA customer and have a valid Spanish national ID card, TIE or passport.

Does the Young Person's Account have fees?

No. There are zero account administration or maintenance fees (0% NIR and 0% APR). The Aqua debit card is issued free of charge and has no maintenance fees. The first 3 cash withdrawals at any ATM worldwide and unlimited payments in foreign currency are free. The custody fee for investments is also €0. The only applicable cost is the overdraft fee in case of a lack of funds.

What is the flight promotion and who can benefit from it?

BBVA's Young People Flight Promotion gives you a free return flight for 2 people when you open your Young Person's Online Account between May 19 and June 19, 2026. Anyone between 18 and 29 years old with a Spanish national ID card or Foreigner's Identity Number (NIE), residing in Spain, who is not already a BBVA customer and has not been one in the past 6 months, can benefit. The application process is 100% digital: via bbva.es, m.bbva.es or the BBVA app, by entering the promotional code BBVAVUELOS during the registration process.

How do I get a flight and what requirements do I need to meet?

Para conseguir el vuelo debes abrir tu Cuenta Online Joven con el código BBVAVUELOS durante el periodo promocional (del 19 de mayo al 20 de julio de 2026) y realizar al menos una compra de 25€ con tu Tarjeta Aqua en el plazo máximo de 1 mes desde el alta. Once you have met these requirements, you will receive an email with instructions on how to redeem your flight.

Can I travel alone or does the flight have to be for two people?

The flight includes a total of 4 tickets (round-trip for 2 people) and must be booked as a single reservation. It is not possible to split it for solo travel or on different dates for each passenger.

What destinations are included in the flight and when do I have to use it by?

Flights can be taken to destinations in Spain, Europe and Morocco from Spanish airports, on low-cost and regular airlines subject to availability depending on origin, destination and date. You have until April 10, 2027 to fly, with a minimum validity of 1 year from the time you receive the code.

How do I activate Bizum on a BBVA account?

If you don't have Bizum, it will be activated with BBVA from the outset and you'll be able to receive and send money. If you have it activated with another bank, you will only be able to send money from BBVA. If you'd also like to receive money via Bizum at BBVA, you can transfer it instantly through the app.

How do I open a Young Person's Online Account?

You can open it from your cell phone in just a few minutes:

1. Choose whether the account will be just for you or if you will share it with someone else.
2. Verify your identity by taking photos of your ID card/Residence card and a quick video call.
3. Fill in your details and create your login password.
4. Sign the contract with the code you receive via SMS.

What happens if my account is overdrawn?

If your account does not have sufficient funds to cover a charge, the following automatic overdraft fees will apply: 7.25% annual NIR and a commission of 4.50% on the overdrawn amount, with a minimum of €15. You can find the full terms and conditions in the FID document.

Can I cancel any of the products that go with the account?

When you become a customer, you will also take out the following: Online Account with No Fees for everyday use, possibility to split expenses and Aqua Debit Card. The products in this bundle cannot be purchased separately, but you can cancel any of them early at no cost and without incurring any penalties. If you have any questions, you can go to a BBVA branch or call Contact BBVA: 900 102 801.

What is the minimum age to open a Young Person's Fee-Free Account?

You must be at least 18 years old. The account has no administration or maintenance fees, and no debit card issuance or maintenance fees.

What will happen to the Young Person's account when I turn 30?

Your Online Account will continue to be fee-free and you will keep the same conditions.

How do I cancel the account after signing up?

If you opened the account remotely, you have 14 days to cancel it at no cost (right of withdrawal). You can exercise this right from your private area at bbva.es, from the BBVA app, in-branch or by calling Contact BBVA.

How do I close the account?

To close your account, access your private area from bbva.es or the BBVA app, call 900 102 801 or go to your branch.

How do I transfer my paycheck and bills from another bank?

Open your Fee-Free Online Account and, once you have your account, request the service by accessing your private area from bbva.es or the BBVA app.

How the BBVA Bank Moving Service works

This is a service that makes all the arrangements to transfer your income and bills from another bank to your BBVA account on your behalf. You can also bring over your balance and close the other account, free of charge. Once your account is open, request the transfer from bbva.es, the app or in-branch. Specify the source account, choose what you want to transfer, and select the date. The minimum period for processing the change is 15 business days.

Advantages of the Young Person's Account offer when traveling abroad

You can make up to 3 cash withdrawals of any amount at any ATM worldwide and pay in any foreign currency at no extra cost, with no limit. These benefits apply any day of the week, including weekends.

How to avoid fees when paying in another currency or withdrawing cash outside of Spain

With the Pack Viajes included in your Aqua Debit Card you can:

• Pay in currencies other than the Euro with no fees and no limits on payments or amount. When you use your card in shops or restaurants, choose the country's currency on the POS terminal. When the payment is made, we will refund the currency exchange fee (this may not happen immediately).
• Enjoy up to 3 fee-free cash withdrawals at ATMs. If the ATM asks you to apply the exchange rate, choose “no” so BBVA handles it. 

There are additional travel discounts on the BBVA app

From the My Promotions section of the BBVA app you can access exclusive travel discounts, including:

• 20% off at Ruralka accommodations.
• 15% off train tickets with Iryo.
• 15% off car rental.
• 5% at travel agencies.

The promotions can change, so it's a good idea to check the app before planning your trip.

How foreign exchange fee refunds work

• Activate the Pack Viajes: From your BBVA app, activate the Pack Viajes on your Aqua Debit Card.
• Paying in foreign currency: when paying in shops/restaurants outside the Eurozone, choose the local currency of the POS terminal. We will refund the currency exchange fee.
• Withdrawing cash abroad: if the ATM asks if you want BBVA to handle the exchange, choose "No".
• Refunds: we will refund the currency exchange and withdrawal fees.

How can I manage my money better on the app?

From the BBVA App you can:

• Split expenses via Bizum with your friends and family, even if they are not BBVA customers.
• Activate up to 3 virtual Aqua Prepaid cards at no cost, for online purchases by anyone you choose.
• Track your expenditure and set savings rules, such as rounding up purchases.
• Manage your subscriptions: If you're no longer using something, pause the payment.
• Access discounts for your trips such as 20% at Ruralka, 15% at Iryo, 15% on car rental, 5% at travel agencies and much more.

Are there any fees for online transfers?

No. Pay no fees at bbva.es, on the BBVA app, and at ATMs for standard or immediate transfers in euros, Swedish krona or Romanian leu (ron) within the European Economic Area. There are some exceptional cases (FMOs, same-day value transfers or those made using magnetic media) where specific fees apply.

What happens if you lose your phone with the app installed?

Your BBVA app will remain protected: Only you can access it with your key or biometrics, and you will need a one-time code for any transactions.

If your cell phone is lost or stolen, you can call BBVA on 900 102 801 to change your password or block your user account. Remember to notify your phone company as well.

What other products does BBVA offer young people?

BBVA also offers:

• Investment in crypto assets or funds from the app.
• Young Person's Mortgage: If you're under 36, finance up to 95% of the value of your first home.
• Second free account to share expenses.
• Exclusive discounts on fashion, leisure, technology and more from the app.

Can you go to a BBVA branch?

Yes. You have access to any of BBVA's more than 1,800 branches in Spain, plus support through the app and virtual assistant.