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

The account with no fees or conditions

  • No direct deposits or debits, no minimum or maximum balance... NOTHING.
  • We'll switch over your deposits and debits for free with the Bank Moving Service.
  • You can control and mind your finances with the BBVA app.
  • More than one and a half million people are already enjoying this free account.
  • And now get €15 just for opening an account.

Copy and enter this code to enjoy the offer when you open your account:

TARJETA15

The fee-free Online Account includes:

  • Free-Free Account

    No account administration or maintenance fees.

  • Aqua Debit Card

    No issue or maintenance fees, you can use it right away.

  • With two account holders

    You can open the account for yourself or share it with someone else.

How does the promotion work?

  1. Open your Fee-Free Online Account through this page.
  2. Once you have your card, make a purchase of €15 or more.
  3. Then, you will receive a €15 payment in your account.

Copy and enter this code to enjoy the offer when you open your account:

TARJETA15

This promotion is exclusive to BBVA and cannot be combined with other offers in progress.

The online account with no fees or conditions

  • No account administration or maintenance fees (0% NIR 0% APR).
  • No issue or maintenance fee for the Aqua Debit Card.
  • No fees for debit cash withdrawals at more than 4,500 BBVA ATMs throughout Spain.
  • No fees for online transfers within the European Economic Area.
  • You do not need to have your paycheck or bills paid in to enjoy the benefits.

100% secure payments with the Aqua Debit Card

A physical and digital card that you can control with the BBVA app

Shop online worry-free

Your CVV code changes every time you make an online payment. This way, your money is protected against potential fraud.

Manage your subscriptions

Netflix, Amazon, Spotify... You can see where your card has been added and cancel the payment whenever you want.

Limit the use of your card

You can turn the card off and on if you can't find it, or limit its use online, in other countries...

Track your payments in real time

You'll get a notification whenever you use your card. If something unusual happens, you'll know right away.

Add it to your phone and pay with it before it arrives

An app designed to take care of your finances

From easy procedures to the progress of your financial health.

Save without realising

Enable savings rules to set aside part of your income or round off purchases.

Connect your banks

And check everything without exiting the app. You can also analyze your spending habits.

Manage your everyday expenses

You can create budgets, review your upcoming transactions and receive personalized ideas to control expenses.

Get discounts

Just for having the app, you will be able to save on trips, purchases and plans.

  • Appointment

    Request an appointment from bbva.es or the app.

  • Online cashier appointment

    And save time when you come to our branches.

  • Notifications

    Enable them to receive the notifications you need.

  • Bizum

    Send funds from phone to phone with Bizum

And if you prefer to speak in person, drop by one of our 1800 branches. We'll be delighted to meet you and help you with whatever you need

Want to switch banks? We'll do it for you

Become a customer and request to switch. We'll transfer whatever you want from your other bank
  • Do it 100% online, free and without talking to anyone.
  • We can transfer your deposits, direct debits and standing orders.
  • We'll also transfer your balance and ask that the other account be closed.

How does it work?

  • The Fee-Free Online Account is for customers without a BBVA account and for new customers who live in Spain. It can be opened 100% online through bbva.es and the BBVA app.

    You can view your account entries and account statement from our website or on your cell phone or tablet. You can also receive notifications by email about your card transactions and salary deposits as well as your monthly statement.

Charges and fees

  • On your Fee-Free Online Account
    • €0 account maintenance, no fees and no conditions. 0% NIR 0% APR (calculated assuming a positive daily balance for one year).
    • €0 account administration service, no fees or conditions.
    • €0 for transfers at bbva.es, the BBVA app and ATMs.
    On your Aqua debit card
    • Debit card issue and maintenance fee: €0 with no fees or conditions.
    • Fee for withdrawing cash on debit: €0 at BBVA ATMs in Spain.
    • Fee for withdrawing cash on debit at ATMs abroad: 4.50% (minimum €3.50).

    If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee.

    Tacit overdraft
    • 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 is less than €18, €30 if it is greater than €18.

    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.

Do you want it?

Open your Fee-Free Online Account + Aqua Debit Card

Would you like more information?

Fee-Free Online Account
Open an account