Who can contract this account?

If you are 18 or older, live in Spain and are not a BBVA customer , you can open and enjoy all the advantages of this account.

What do I need to complete the application process?

We recommend that both account holders be present during the registration process, with their respective documentation ready: DNI/NIE and your mobile phone to sign your contracts via SMS.

Can I open the Fee-Free Online Account at a BBVA branch?

No, the Fee-Free Online Account can only be opened through bbva.es or on the BBVA App.

Will I pay fees if I don't have my paycheck paid directly into my account?

No. With this account, you don't need to direct deposit your paycheck to avoid fees.

Can I go to/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 application, our website and, of course, all the services offered by our branches, ATMs and BBVA advisers.

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 The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn.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% (minimum €3,5).

What happens if I have an overdraft?

The Fee-Free Online Account applies the following fees when operating with an overdraft: Annual interest rate for authorized overdraft. 7.25% NIR. Fee for authorized overdraft in the account: 4.50% (minimum amount €15). Calculated based on the maximum balance owed during the account settlement period. 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.

Is there a fee for online transfers?

On bbva.es, the BBVA app and at ATMs, pay no fees for transfers in euros, Swedish krona or Romanian Leu (ron) within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

Is there a check book?

The Fee-Free Online Account does not include a checkbook or a passbook.

Do I have the right to withdraw?

When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The period begins on the day the account contract is signed. The right of withdrawal may be exercised via the bbva.es website and the BBVA mobile app (in both cases from the private area, through the "I want to" option in the personal accounts menu). This right can also be exercised in a branch or by calling Contact BBVA.

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

Q: Documentation on the Fee-Free Online Account

It is important for you to know and understand the documents required to open this account. You can view them here: IP Online Account : 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.

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.

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.

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.

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.

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

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.

Fee-Free Salary Account

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

Because you'll have zero fees, always