What important information do I need to know about the Fee-free Online Account?

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). Account overdraft fee: €0 if it does not exceed €18. From €18.01 up, the management fee is €30. 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.

How do I apply to open the Fee-free Online Account?

You can apply to open this account online at bbva.es and the BBVA app, but it is not possible to do so in branches. To sign up for the account, you need: You must be 18 or older. To live in Spain and have an ID card or Residence card (document with photo). Not be a BBVA customer.

What do I need to apply to open the Fee-free Online Account?

In order to open this account online, you must have the following items ready: ID or Residence Card (card with photo). Cell phone to sign your contracts via SMS. Camera on your computer or cell phone to identify you with a video call or video.

Can I go to or use BBVA branches if I only have this account?

With the BBVA Free-Free Online Account, you can enjoy all the benefits offered by the bank: the services and features provided in our app, our website and, of course, all the services offered by our branches, ATMs and advisers.

If I have Bizum in another bank, will I also have it in the Online Account?

The Online Account already has the Bizum service activated so you can instantly receive or send money with your cell phone, as if you were sending a message. 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.

Does the Aqua Debit Card have ATM fees?

The following fees are charged for withdrawing cash on debit at ATMs: At BBVA ATMs in Spain: €0. ATMs other than BBVA ATMs: the same amount as the fee that the ATM owner charges BBVA. The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn. ATMs abroad: 4.50% (€3.50 minimum).

Is there a fee for online transfers?

At bbva.es, the BBVA app, and at ATMs you do not pay commissions on your standard and immediate transfers in euros, Swedish krona or Romanian leu (ron) within the scope of the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Transfers using magnetic media, Fund Movement Orders (FMOs) and Value Day transfers not included. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

If I have just become a BBVA customer, can I change my opinion?

You will have 14 days to exercise the right of withdrawal with any of the products acquired. The deadline begins on the day of signature and entry into force of the package of products you have acquired. To exercise your intention to withdraw, go into your private area at bbva.es or the account section of the BBVA app. You can also do so at a branch or by calling 900 102 801.

Do you need a BBVA branch in your town?

On the map below you can find the branch you're looking for.

If what you want is to become a customer, remember that you can open your Fee-Free Online Account right now, in under 10 minutes and without having to go to a branch.

Plus, you can earn up to €760 in one year for using your Online Account

Online Account

See branch

RISK LEVEL

1/6

This number indicates the product risk, with 1 / 6 representing the lowest risk and 6 / 6 representing the highest risk.

BBVA is affiliated with Spain's Deposit Guarantee Fund for Credit Institutions. The maximum amount guaranteed is €100,000 per person for the total of all deposits established at BBVA.

Fee-Free Online Account

For €0 and no conditions? Very much BBVA

Get your Fee-Free Online Account and Aqua Debit Card for €0.
Plus, you can earn up to €760 in one year for doing the usual things: sending a Bizum, using the card, paying a bill or direct depositing your paycheck. The more you use your account, the more you earn!

Enter this code when you open your account before 09/30/2025:

Copy code PLAN760

Become a BBVA customer

In just a few minutes, only for new customers.

Up to €760 for using your account like an account

+€120 with Bizum

Send money or make payments with Bizum and earn up to €10/month.
+€120 with your card

Pay with your Aqua Debit Card and earn up to €10/month.
+€120 for your bills

Direct debit your electricity, water, internet or telephone bills and earn up to €10/month.
+€400 for your paycheck

Direct deposit your paycheck of at least €800 and earn €33.33/month.

And get all this with no fees or commitments

It's very BBVA that it costs you nothing to come

Account with no fees and no need to bring over your paycheck. 0% NIR 0% APR.

Fee-free Aqua Debit Card, ready to use.

Free online transfers and cash withdrawals.

Get answers to all your questions

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).
Account overdraft fee: €0 if it does not exceed €18. From €18.01 up, the management fee is €30.

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.

BBVA branch locator

BBVA has one of the largest networks of branches and ATMs in Spain. In total, BBVA has more than 1,800 branches throughout all of Spain and more than 4,500 ATMs to provide a comprehensive service to our customers. BBVA customers pay no fees at any of our ATMs.

At BBVA, we have a large network of branches where you can carry out all your operations. But we want to go a bit further; thus, we are introducing new services at our branches with a view to improving your customer experience and providing a quality service:

Customer Wait Time Manager, to optimize your experience and cut down on in-branch wait times.
Customer Identifier Agent, so that you are always attended to by the right person to handle your operations.

Our network of 4,500 BBVA ATMs gives you the independence you need in order to do your banking in a way that is simpler, more customized, faster and more secure. Find your nearest ATM and discover all the transactions you can do at BBVA ATMs. See table of operations.

Furthermore, the new browsing features of our ATMs make it easier for you to carry out your usual operations and also offer new innovative functions and services.

Advantages:

We have unified the design and made it similar to bbva.es and mobile apps. So that your browsing experience is the same regardless of the channel you are using.
Improvements in access and browsing experience, as it is now possible to access and operate at ATMs with your bbva.es passwords.
New functions and services, such as buying and selling securities, cancelling cards due to theft or loss, the option of selecting the type of bank notes (20 or 50 euros) in cash withdrawals...
And always maintaining the strict security levels of BBVA.