How do I open my child's account online?

If you are not a BBVA customer , you must open both your account and theirs at the same time. Here is how to do it: Click on "Become BBVA customers". First, you will complete the steps to open your Online Account without Fees. To confirm your identity, we will ask for photos of you and your Identity card (DNI or TIE). Then you will complete the steps to open their Online Account for Minors. To confirm you are family, we will ask for photos of the child’s DNI or TIE and the family record book or birth certificate. Finally, you will have a video call with a BBVA representative to verify everything is correct. You can also download the BBVA app and complete the process without a video call. And that is it. You can now use your accounts! If you are already a BBVA customer , you only need to open their account. Here is how: Log into the app > in the bottom menu, click on Apply > Accounts > Online Account for Minors. Log into your private area of bbva.es > in the side menu, click Accounts > Online Account for Minors. Complete the steps in the process to open the account. To confirm you are family, we will ask for photos of the child’s DNI or TIE and the family record book or birth certificate.

Can I direct deposit my children's grants and financial aid into this account?

Yes, any scholarship or financial aid for children can be direct deposited into this account. In fact, the minor must have an account in order to apply for a grant or financial aid. If you want to apply for a grant for a minor, it is better to open their account beforehand. You can do it easily online.

How can I see my child's account once it is registered?

By default, the child's accounts are hidden in your private area or app. To view them in real time, you'll need to set them up by following these steps: Open the menu and select settings. Choose "configure products". You will be able to see the account of the minor hidden there and make it visible (view) or visible and switched on (view and operation).

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

If the child is 12 to 17 years old, your Child Online Account includes: Aqua Debit Card. BBVA app with Bizum option. Saving Goals Account. 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.

How does the Aqua Debit Card work in other countries?

If your child travels to another country to study or learn languages, they can use their Aqua Debit Card and save on the usual fees. We'll tell you how: When paying in shops and restaurants (whenever they want) In the POS terminal or dataphone, you will have to choose the payment to be made in the country's currency (for example, dollars if it is in the USA). At that time your account will be debited with the exchange rate fee charged by the card brand (such as VISA or Mastercard) for the currency exchange. When the transaction is completed, we will refund the currency exchange fee. When they withdraw cash at ATMs (up to 3 times a month) They can choose any ATM to withdraw cash in another currency. If the ATM asks them to apply the exchange rate, you will have to choose “no” so that we can do it from BBVA. At that time, the following will be charged: the exchange rate fee applied by the card brand and the fee for withdrawing cash at the ATM applied by BBVA. When the transaction is completed, we will refund both fees. The ATM may charge them other fees for each transaction. Since these types of fees do not depend on BBVA, we cannot refund them.

Can I take out money from my child's account?

Yes, you can do it in a BBVA branch. As the cardholder is the minor, only he can withdraw cash from the ATM.

Can I make transfers and save with this account for children?

Yes, you can make internal and external 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.

What will happen to the account when they turn 18?

The Online Account for Minors is in your name. Therefore, when he or she turns 18, your son or daughter will be able to manage his or her account 100% with no fees or conditions. They will also be able to use the BBVA app for adults. However, since you will no longer be their representative, we will have to verify your son's or daughter's identity with a video call or video selfie.

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.

Online Account for Minors, children and teenagers

Grow your family now with an extra €65!

Your children will have an account for €0 for ever.
With their card and the Bizum-enabled app, available at no cost to children ages 12 and up, all under your supervision.
And an extra €65 for bringing your scholarship or financial aid to BBVA.

Use this code when opening your account by May 31, 2026.

Copy code BECA65

Open your account

How would you like to start at BBVA?

As a family, with two accounts

You'll have your own account, your own card, and all the app's features to learn together.

Only with your son or daughter's account

You will be a representative and will have your login password for the BBVA app to monitor and manage their account.

And if you're already a BBVA customer

You can open their account directly, and you'll have all the features to learn together.

For €0 forever, with no fees, plans, or subscriptions

Between 0 and 11 years
They will have their account to receive direct debits for scholarships or grants and to store their money:

Fee-Free Online Account
Open your account
Between 12 and 17 years old
They can get organized with their expenses and learn to save money:

Fee-Free Online Account

BBVA app tailored to their age

Bizum for Minors with adapted limits at no cost

Free Aqua Debit Card

Travel Pack

Goals Savings Account with automatic savings rules
Open your account

They will have a card for their daily use

See Aqua Debit Card

Physical or digital

They can carry it in their wallet, have it on their cell phone, or use it in both formats, at no extra cost.
Supervised by you

You decide how much they spend. Payments within unsuitable sectors are also blocked

Going out to explore the world will cost them less

Going on a trip or exchange program outside of Spain? With their card they can pay and withdraw money in other currencies without worrying about commissions.

With Bizum adapted to their age, they will gain autonomy

They will be able to send and receive money if something unexpected happens or if they need to share expenses with friends. You can set the limits at any time.

They can learn with your help

They will have a Goals Savings Account, which you will manage from your app. And if you activate the savings rules, you can automatically set aside money in their account.

You can set spending limits for their card, control where they can use it, and turn it off instantly if needed

You'll get notifications of everything they do: card payments, Bizum and ATM withdrawals.

Payments will be blocked in sectors not suitable for them, such as online gaming, casinos and gambling.

You'll be able to send their allowance to their Online Account and keep their savings in the Goals Account, which only you control.

Open your account

No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).

Children's Aqua Debit Card

No issue or maintenance fees.

By Bizum and transfers

Transfers via bbva.es, the BBVA app or at ATMs within the European Economic Area.

For card payments in foreign currency

And for withdrawing cash up to 3 times a month at ATMs outside Spain.

Open your account

Open it in just a few steps

Have the minor's DNI/TIE and the family book or birth certificate at hand.
Take photos of your documents and complete your and the child's details.
Once you finish, we will check it all to identify you and confirm that you are family.

More than 400,000 families already have an account. Will you join us?

Open your account

This will help clear up any uncertainties

It is important for you to know and understand the documents we make available to you before opening these accounts. You can view them here:

IP Children's Online account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

FID Children's Online account: information document about the fees applied for using the main services associated with the payment account.

IP Goals Savings Account for Children: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

IP Children's Aqua Debit Card: document with pre-contractual information that details the conditions between BBVA and the account holder.

You can also view a list of the most representative services associated with a payment account.

Open account

Online Account for Minors, children and teenagers

Grow your family now with an extra €65!