If it sounds familiar, count on BBVA

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.

An account designed to grow with your family

Because each stage of life is different, your account will evolve so that you can learn and grow together

  • You can use this account to direct debit grants or scholarships and save for their future.

    • Fee-Free Online Account

  • You will have everything you need to start managing their money:

    • Fee-Free Online Account
    • BBVA app tailored to their age
    • Optional Bizum
    • Aqua Debit Card with advantages for traveling
    • Saving Goals Account

Why do you think it's good for them to have their own BBVA card and app?

They can make their first purchases, always with you in control

They will have an Aqua Debit Card with no fees, pre-established limits and blocking of sectors that are not suitable for their age. With it they can:

  • Securely purchases, their CVV code will change to avoid fraud and you will receive a notification with each payment.
  • Carry it on their cell phone to pay with it. If they can't find it, you can turn it off and on from its app.
  • Save on fees in other countries for exchange rates and for withdrawing cash 3 times a month.

When they write "Mom, I need money," you can Bizum them

That way you make sure they have money if you're not around. They will also be able to share expenses with friends or receive gifts from family.

This service has pre-established limits and is optional. If you are interested, you can activate it from the Bizum section of your BBVA app or private area.

They will learn to save with your help

They will have a Goals Savings Account, which you will manage from your app. And if you activate the savings rules, you can automatically set aside money in their account.

  • You can round off your purchases made with a card, so they can keep the change.
  • At the end of the month, your children will be able to save a portion of the balance left in their Online Account.

And little by little, they will become more aware of what they are spending

We have adapted the BBVA app to their age so they can manage their pocket money and review every movement in their account.

This will help you learn good financial habits such as covering expenses and saving.

You will be able to give them confidence without losing peace of mind

You will be able to choose between a physical or digital card, set their spending limits and restrict where they can use it.

You'll get notifications of everything they do: card payments, Bizum and ATM withdrawals.

Payments will be blocked in sectors not suitable for them, such as online gaming, casinos and gambling.

You'll be able to send their allowance to their Online Account and keep their savings in the Goals Account, which only you control.

And, want to know the best thing? Whatever their age, it won't cost you anything

No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).

Children's Aqua Debit Card

No issue or maintenance fees.

By Bizum and transfers

Transfers via bbva.es, the BBVA app or at ATMs within the European Economic Area.

For card payments in foreign currency

And for withdrawing cash up to 3 times a month at ATMs outside Spain.

Your doubts and those of many families

It is important for you to know and understand the documents we make available to you before opening these accounts. You can view them here:

IP Children's Online account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

FID Children's Online account: information document about the fees applied for using the main services associated with the payment account.

IP Goals Savings Account for Children: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

IP Children's Aqua Debit Card: document with pre-contractual information that details the conditions between BBVA and the account holder.

You can also view a list of the most representative services associated with a payment account.

Together we will lose the fear of finances

Having good financial habits helps them face the world and ensures their well-being in the future. We have created these nuggets to help you build your relationship with money. The sooner you start, the better.