+€400 for bringing your paycheck
or pensions over €800, or self-employment contributions, and earn €33.33/month.
Fee-Free Salary Account
Add the paycheck, bills... up to €1,060, every little bit helps!
- You get an account and debit card for €0, with no conditions, with salary advances available if any unexpected expenses arise.
- And now you can earn up to €760 in your first year just for using your account, and up to €1,060 if you transfer your savings.
Enter this code when you open your account before 10/20/2026:
In just a few minutes, only for new customers.
Take up to €1,060, you decide how much to add
You decide what you want to do and how much to add. You don't need to do it all, you can use your account however you want.
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+€120 for using your card
Pay with your Aqua Debit Card and earn up to €10/month.
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+€120 for using Bizum
We'll give you back up to €10 per month for paying or sending Bizum.
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+€120 for paying your bills.
Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.
and +€300 for switching your savings
If you keep a balance of €10,000 in the first year, you get €300 a year, that's €25 a month.
You can begin without complications
We advise you on how to open your account and direct deposit your paycheck.
You can create automatic rules to save part of your paycheck and save.
We will talk to your other bank to bring your income or account to BBVA, free of charge.
The most comprehensive Bizum for instant use, at no cost, with the option to split expenses.
Your money will move at your own pace
With your paycheck, you can ask for an advance or have an overdraft service to cover unexpected situations.
Your card has a CVV that changes with every purchase and expense control from the app.
You will plan better with the notifications we will send you before each charge.
You will be able to open a second account free of charge for common day-to-day expenses.
Now, travel lighter with your BBVA card
Forget about cash, pay in any currency up to €300 a month with no fees.
And if you’re under 30, get unlimited payments and fee-free cash withdrawals at ATMs worldwide, even on weekends.
With your Aqua Más, you'll pay 2% less
When you open your account, you will see if you have the Aqua Más credit card available. Got it and want to keep it? We'll give you 2% back on the purchases you make with it in the first year, with no limit. Only for new customers who open the account and sign up for the card at the time of registration, digitally.
We will take the next big step with you
You will be able to improve the interest rate of your mortgage with your salary and we will guide you through your application.
If you have young children, you can open their account and connect the family finances.
If you direct deposit your paycheck, we will reduce the interest rate of your loan, so you can free up funds for your other projects.
You will learn how to get more out of your money from the app and you will be able to invest from €30.
Up to €660 for referring friends? Great plan
Start thinking about what to do with the €660 you could earn by referring your friends. And each friend could get up to €450 for joining.
And all this with no fees or conditions
Fee-Free Salary Account
No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).
Aqua Debit Card
The account includes a debit card with no issuance and maintenance fee for each holder.
For transfers
From bbva.es, the BBVA app or ATMs within the European Economic Area.
For withdrawing cash
Withdraw cash on debit at more than 4,500 ATMs and 1,800 BBVA branches in Spain.
Open your account in a few easy steps
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Choose whether it's just for you or if you will share it with someone else.
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Enter your details, create a password, and sign with the SMS you receive.
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Download the BBVA app and log in with your password.
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To confirm your identity, take photos of yourself and your DNI /TIE.
Selected as the best bank in 2025
Awarded for Online Account and Salary Account
Do you want to view the account documentation?
It is available in the FAQ section
Would you like more information?
Account documentation
It's important for you to know and understand the documents required to open this salary 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 typical services for 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.