An account for children that offers grown-up benefits

Yes, any scholarship or financial aid for children can be direct deposited into this account. In fact, the minor must have an account in order to apply for a grant or financial aid.

If you want to apply for a grant for a minor, it is better to open their account beforehand. You can do it easily online.

1. Become a customer with the Online Account with no Fees or Conditions.
2. Once you're a customer, you will be able to open the minor's account from the app or website:
   • Log into the app with your password > in the bottom menu, click on Contract > Accounts > Online Account for Minors.
   • Log into your private area of bbva.es with your password > in the side menu, click Accounts > Online Account for Minors.
3. Since it is an online process, you will need photos of the minor's DNI/TIE and the family book or birth certificate.
4. Follow the steps in the process to open the account.
5. Once you open the account, you'll be able to give them access to the app so they can start using it.

If you are already a BBVA customer, follow the steps starting from point 2.

By default, the child's accounts are hidden in your private area or app. To view them in real time, you'll need to set them up by following these steps:

1. Open the menu and select settings.
   
2. Choose "configure products".
   

You will be able to see the account of the minor hidden there and make it visible (view) or visible and switched on (view and operation).

If the child is 12 to 17 years old, your Child Online Account includes:

• Aqua Debit Card.
• BBVA app with Bizum option.
• Saving Goals Account.

The products and services in this package cannot be purchased separately. But you can cancel any of them early at no cost or penalty, and continue enjoying the rest.

If your child travels to another country to study or learn languages, they can use their Aqua Debit Card and save on the usual fees. We'll tell you how:

When paying in shops and restaurants (whenever they want)

• In the POS terminal or dataphone, you will have to choose the payment to be made in the country's currency (for example, dollars if it is in the USA).
  
• At that time your account will be debited with the exchange rate fee charged by the card brand (such as VISA or Mastercard) for the currency exchange.
  
• When the transaction is completed, we will refund the currency exchange fee.
  

When they withdraw cash at ATMs (up to 3 times a month)

• They can choose any ATM to withdraw cash in another currency.
  
• If the ATM asks them to apply the exchange rate, you will have to choose “no” so that we can do it from BBVA.
  
• At that time, the following will be charged: the exchange rate fee applied by the card brand and the fee for withdrawing cash at the ATM applied by BBVA.
  
• When the transaction is completed, we will refund both fees.
  

The ATM may charge them other fees for each transaction. Since these types of fees do not depend on BBVA, we cannot refund them.

Yes, you can make internal and external transfers.

At bbva.es, the BBVA app, and at ATMs you do not pay commissions on your standard and immediate transfers in euros, Swedish krona or Romanian leu (ron) within the scope of the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Transfers using magnetic media, Fund Movement Orders (FMOs) and Value Day transfers not included. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

The Online Account for Minors is in your name. Therefore, when he or she turns 18, your son or daughter will be able to manage his or her account 100% with no fees or conditions. They will also be able to use the BBVA app for adults.

However, since you will no longer be their representative, we will have to verify your son's or daughter's identity with a video call or video selfie.