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.

€100 for you and €100 for your partner

Open your Online Account with no fees or conditions with two account holders, and if your partner and you direct deposit your paychecks for at least €800, you will get €100 extra* each that you can spend on whatever you want. Valid until 03/14/2020.

See terms and conditions

Online Account with no fees or conditions

  • No ATM fees

    No fees for debit cash withdrawals at more than 6,000 BBVA ATMs throughout Spain.

  • No account or debit card fees.

    No account administration or maintenance fees (0% NIR 0% APR)** and no issue or maintenance fee for your Aqua Debit Card.

  • €0 for online transfers

    No fees for your online transfers within the EEA.

Aqua Cards. Safe and under control

The cards with no printed numbers that also help you track all your expenses
  • More secure, because they do not have printed card numbers or CVV code.
  • With a dynamic CVV code that changes every time you use the card to protect your online purchases.
  • With more control, since you can turn them off or on at any time and keep them secure when you don't use them (or can't find them).

You will have the convenience of deciding how you want to pay

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

  • Later: you can get the fee-free Aqua Más Card when you open the account.

  • Whenever you want: with the Service to pay expenses in installments from your account. Now, the first payment is free

Get €100 for yourself and €100 for your partner*

if you direct deposit your paychecks of at least €800 with us

Improve your financial health

Take control of your money and receive personalized ideas through the BBVA app, so you can start saving where you didn't know you could.

  • Create savings rules, schedule periodic contributions or round off your purchases to save almost without realizing it.
  • Organize your expenses by category to find out how you're spending your money. You can create budgets to track its progress.
  • Receive notifications and know in advance how your monthly expenses will vary, and what transactions or charges you can expect to see in your account in the next few days.
  • Add your home's appraised value to your assets, see its associated expenses and find out how to save on bills.

With the BBVA app, too

  • Turn your cards on and off.
  • Withdraw cash from BBVA ATMs using your mobile.
  • Use Bizum to send money instantly from cellphone to cellphone without account numbers.
  • Get instant notifications on your account activity.
  • And much more!

Opening an account is this easy

  • Easily, no hassle or paperwork.
  • At any time, 24x7.
  • As easy as taking a selfie, and right away you have an active account.

Bring your deposits and bills for free, or your entire account, without having to go to a branch and no paperwork

With the Bank Transfer Service, you decide what you want to bring to BBVA:
  • Your regular transfers to other banks.
  • Your recurring income (paycheck, pension) and bills (direct debits).
  • Your balance, closing the other account.

We'll take care of transferring what you choose and, if you wish, ask the other bank to close your account. And start enjoying all the advantages of being a BBVA customer.

*The terms and conditions of the promotion, which you have to accept, are available here.
The bonus of €100 gross is considered a capital gain and is subject to withholding. As a result, in keeping with the applicable withholding rate, the net amount paid will be €81. The amount of the withholding may be affected if the regulations change. In order to receive the €100 Plan C Bonus, you have to direct deposit a single paycheck of at least €800, keep it direct deposited at BBVA for at least 12 consecutive months after signing up for the Plan C promotion, and have been a BBVA customer during the six months before the start of the promotion.

No conditions on the waiver of fees.

**Calculated assuming a positive daily balance for one year

At bbva.es, you don't pay any fees on transfers in Euros, Swedish Krona or Romanian Leu within the European Economic Area (members of the European Union & Iceland, Liechtenstein and Norway). Excludes electronic transfers, emergency transfers, Fund Movement Orders (FMOs), Value Day transfers and instant transfers. For transfers not included, the supplementary items and transfer expenses established for these purposes are applicable.

Become a customer