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 Salary Account

If you have an income, this is the account for you

  • You will have your account and debit card for €0 forever, even if you stop having an income.
  • If something unexpected happens, you can request a paycheck advance.
  • You can save easily each month with automatic rules.
In just a few minutes, only for new customers.

Because you'll have zero fees, always

Account with no administration or maintenance fees. 0% NIR 0% APR.

Fee-free Aqua Debit Card, ready to use.

Free online transfers and cash withdrawals.

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, 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.

And you can pay when it suits you best

Immediately

If you pay with your Aqua Debit Card, the charge will be deducted instantly from your account.

Later

When you open an account, you can get the Aqua Más credit card with no fees and 2% cashback on your shopping.

Whenever you want

With the service to pay expenses in installments if you have it in your account. Now, the first payment is free.

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.

This is your 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 BBVA ATMs in Spain

So you can open it in just a few steps

  • Choose whether the account is for you alone or you will share it with someone else.

  • Take photos of your ID card/Residence card and confirm your identity by video call.

  • Enter your details and create your login password.

  • Sign the contract with the SMS you receive.

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 applying the interest payable and the overdraft fee has a legal limit established for the consumer and cannot exceed 2.5 times the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.

Open account