Question 1

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

Accepted Answer

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.

Question 2

Advantages of the Young Person's Fee-Free Online Account

Accepted Answer

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 whenever you need to, 24 hours a day.

Question 3

How to activate Bizum on a BBVA account

Accepted Answer

If you don't have Bizum, it will be activated with BBVA and you'll be able to receive and send money from the outset.

If you have it in another bank, you will only be able to send money from BBVA. If you also want to receive money via Bizum at BBVA, you can instantly change it from the app.

Question 4

How to open a Young Person's Online Account

Accepted Answer

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

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

Question 5

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

Accepted Answer

When you become a customer, you will also take out the following:

The Fee-free Online Account for your day-to-day.
Installment payment service.
Aqua Debit Card associated with the account.
Optional Aqua Más credit card, in case you want it and can take it out.

The products and services in this package cannot be purchased separately. But you can cancel any of them early at no cost or penalty, and continue enjoying the rest.

If you have any questions or you want to cancel any of these products, you can go to a BBVA branch or call Contact BBVA: 900 102 801

Question 6

The minimum age to open a Young Person's Fee-Free Account

Accepted Answer

In order to open this bank account you must be at least 18 years old. It's also a bank account with no administration or maintenance fee, and no debit card issuance or maintenance fee.

Question 7

What happens when you turn 30 with the Young Person's Account?

Accepted Answer

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

Question 8

How to cancel the account after signing up

Accepted Answer

If you opened the account remotely, you have 14 days to cancel it at no cost. That period begins when you sign and the contract is activated.

This right is recognized by law (called the right of withdrawal), and you can exercise it from your private area at bbva.es or in the BBVA app, in the I Want section of your account. You can also do so at an office or by calling Contact BBVA.

Question 9

How to close the account

Accepted Answer

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

Question 10

How to transfer your paycheck and bills from another bank

Accepted Answer

To bring your paycheck or bills to BBVA you have to follow these steps:

Open your Fee-Free Online Young Person's Account. You can easily do it online.
Once you have your account, you can request the service by accessing your private area from bbva.es or the BBVA app.

Question 11

How the BBVA Bank Moving Service works

Accepted Answer

This is a service that makes all the arrangements for you to transfer your deposits and bills from another bank to your BBVA account. You can also request to transfer the balance and close the other account using a free and simple process in which you decide what you want to bring over.

Once you open your free account, you can request the transfer of accounts from bbva.es, the mobile app or at a BBVA branch.

Enter the number of the account you want to transfer to BBVA and choose all the options you like: transfer your standing orders; transfer your recurring income and debits; close your other account by transferring the entire balance.
Specify the date on which you want the transfer to be made. Select a date such that any payment commitments and recurring deposits (salaries, pensions, etc.) will have time to reach the new account.
The minimum period for completing the process is 15 business days after all the account holders sign the request.
The balance is transferred from the other bank on the date specified by the customer. It could take a few days for the amount to be deposited in the destination account.
The transfer process will commence when the request is signed by all the account holders.
Within 2 days, BBVA will ask your other bank for the details needed to transfer the account.
Your other bank will have a maximum of 5 days to accept it and send us the information requested.
Once the information is received, BBVA will have 5 days to set up the standing orders from your old account into your new account and notify the payment issuers of the new account.
Your other bank will take care of closing the account and transferring the balance to your BBVA account on the date you specify in the request.

We keep you informed of how the process is progressing and, if necessary, we will ask you for additional information through notifications in the My Mailbox section of the website and the mobile app, and also by email.

Download the account transfer sample form

Question 12

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

Accepted Answer

If you are between 18 and 30 years old, you can enjoy the Travel Pack included in your Aqua Debit Card at no extra cost.

This allows you to use your card outside of Spain and save on fees, even on weekends, both when paying and withdrawing money from ATMs.

Question 13

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

Accepted Answer

With the Exclusive Travel Pack included in your Aqua Máxima 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).
Withdraw cash at ATMs without fees, with unlimited withdrawals and amounts, both in Euros and in other currencies. If the ATM asks you to apply the exchange rate, choose “no” so BBVA can do it. Once the transaction is complete, we will refund the currency exchange and withdrawal fees. The ATM may charge you other fees that do not depend on BBVA, meaning we cannot refund them.

Question 14

Additional travel discounts on the BBVA app

Accepted Answer

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.

Question 15

How foreign exchange fee refunds work

Accepted Answer

Activate the Travel Pack: from your BBVA app, activate the Travel Pack on your Aqua Máxima 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.

Question 16

Aqua M&aacute;xima Debit Card Security

Accepted Answer

The Aqua Máxima Debit Card is designed to protect your money at all times, both in physical and online purchases:

No printed numbers: the card details are not printed on the card, so no one can see them when you make a payment. Only you can view them on the BBVA app.
Dynamic CVV for online purchases: the security code changes with each purchase, so your data can't be copied or reused.
Full control from the app: if you lose the card or notice something suspicious, you can turn it off and on instantly from the app.
Real-time information: you receive a notification every time the card is used, so you always know what payments are being made.
ATM robbery insurance: it includes coverage of up to €600 per claim and €1,200 per year, for extractions made up to 15 minutes before the incident (with a deductible of €30).

This means you can make payments and withdraw money with peace of mind, knowing that you have control and protection at all times.

Question 17

Other advantages of the Aqua M&aacute;xima Debit Card for young people

Accepted Answer

In addition to security, the Aqua Máxima Debit Card offers advantages designed for everyday use and travel:

No fees for card issuance or account maintenance.
Savings on standard fees abroad:
- Fees for paying in currencies other than the Euro are refunded, with no limit on amount.
- You can make fee-free, unlimited cash withdrawals at international ATMs.
- Weekends included.
Get 10% back on your subscriptions to platforms like Netflix, Spotify, Disney Plus, PlayStation Plus, DAZN, Glovo Prime, Amazon Prime and HBO Max.
Track expenditure on the app, where all your transactions will always be visible.
Pay with your cell phone or smartwatch by adding your card to Apple Pay, Google Pay, Samsung Pay, or BBVA Pay.
Total flexibility to pay in stores, withdraw cash or use it on a daily basis with no added costs.

Question 18

How can I manage my money better on the app?

Accepted Answer

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 from anywhere 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.

Question 19

Are there any fees for online transfers?

Accepted Answer

Pay no fees at bbva.es, on the BBVA app, or at ATMs for standard or immediate transfers in Euros, Swedish Krona or Romanian Leu (Ron) within the European Economic Area.

There are some cases that are not included, such as FMOs, same-day value transfers or those made using magnetic media. In these cases, the corresponding specific fees apply.

Question 20

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

Accepted Answer

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 you pay with your cell phone, your PIN will be requested for amounts over €5.

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 if necessary. And remember to notify your phone company as well.

Question 21

Other products for young BBVA customers

Accepted Answer

Invest your way: explore the crypto world from the app or get started with one of our funds.
Move into your own home: if you're under 36, we can finance up to 95% of the value of your first home.
Share expenses: you can open your account with another holder or get a second account for free.
Get discounts on your app: you'll find exclusive offers on fashion, leisure, technology and many other categories.

Question 22

Can you go to a BBVA branch?

Accepted Answer

Of course. If you ever need it, you can go to any branch in the BBVA network and get help from one of our advisers.

And if you prefer, you can open your bank account, a Fee-Free Young Person's Account, at a BBVA branch with the same advantages as the Fee-Free Young Person's Online Account, where you also won't pay:

No account administration or maintenance fee.
No debit card issuance or maintenance fee.

Young Person's Fee-Free Online Account

The best plans are those that aren't planned.

With up to €100 each year on your subscriptions

€0 for cash withdrawals

€0 for paying in another currency

In any part of the world.

€0 for cash withdrawals

€0 for paying in another currency

In any part of the world.

To keep the best of every trip

Maximum speed

Maximum security

You at your best

Maximum speed

Maximum security

You at your best

And everything is at your level.

Do you like it? Don't miss the details

Documentation for the Young Person's Online Account