What important information do I need to know about the Fee-free Online Account?

Account documentation It is important for you to know and understand the documents we make available to you before opening this 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 representative services associated with 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 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.

How do I apply to open the Fee-free Online Account?

You can apply to open this account online at bbva.es and the BBVA app, but it is not possible to do so in branches. To sign up for the account, you need: You must be 18 or older. To live in Spain and have an ID card or Residence card (document with photo). Not be a BBVA customer.

What do I need to apply to open the Fee-free Online Account?

In order to open this account online, you must have the following items ready: ID or Residence Card (card with photo). Cell phone to sign your contracts via SMS. Camera on your computer or cell phone to identify you with a video call or video.

Can I cancel any of the products that go with the account?

When you become a customer, you will also take out the following: The Fee-free Online Account for your day-to-day. Installment payment service. Aqua Debit Card associated with the account. Optional Aqua Más credit card, in case you want it and can take it out. 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 you have any questions or you want to cancel any of these products, you can go to a BBVA branch or call Contact BBVA: 900 102 801

Can I go to or 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 app, our website and, of course, all the services offered by our branches, ATMs and advisers.

If I have Bizum in another bank, will I also have it in the Online Account?

The Online Account already has the Bizum service activated so you can instantly receive or send money with your cell phone, as if you were sending a message. If you don't have Bizum, it will be activated with BBVA and you'll be able to receive and send money from the outset. If you have it in another bank, you will only be able to send money from BBVA. If you also want to receive money via Bizum at BBVA, you can instantly change it from the app.

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% (€3.50 minimum). Avoid fees abroad You can avoid fees for withdrawing money abroad with the Comfort, Superior or Exclusive Travel Pack. Plus, If you're under 30 years old, the Superior Travel Pack is already included , letting you take out cash for free up to 3 times a month.

Is there a fee for online 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.

If I have just become a BBVA customer, can I change my opinion?

You will have 14 days to exercise the right of withdrawal with any of the products acquired. The deadline begins on the day of signature and entry into force of the package of products you have acquired. To exercise your intention to withdraw, go into your private area at bbva.es or the account section of the BBVA app. You can also do so at a branch or by calling 900 102 801.

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

El subidón de la primavera: 150€ para tus gastos

Para ahorrarlos, para ese pago que llega sin que te lo esperes...¡úsalos para lo que necesites!

Hazte de BBVA con la Cuenta Online Sin Comisiones.
Te devolvemos hasta 150€ de las compras que hagas con tu Tarjeta Aqua Débito durante los 30 días siguientes a darte de alta.

Introduce este código al abrir la cuenta hasta el 7/4/2026. Limitado a las 10.000 primeras altas.

Copy code TARJETA150

¡Cada vez queda menos, date prisa!

Become a BBVA customer

How does the promotion work?

In just a few minutes, only for new customers.

0€ en transferencias

Free online transfers and cash withdrawals.
0€ por la tarjeta

Fee-free Aqua Debit Card, ready to use.
€0 in fees

Account with no fees and no need to bring over your paycheck. 0% NIR 0% APR.

0€ en transferencias

Free online transfers and cash withdrawals.
0€ por la tarjeta

Fee-free Aqua Debit Card, ready to use.
€0 in fees

Account with no fees and no need to bring over your paycheck. 0% NIR 0% APR.

Become a BBVA customer

Vente con todo, sin pagar nada

Pásate a la cuenta que no te pide nada a cambio. Con la Cuenta Online, tu tarjeta y tus movimientos habituales te cuestan exactamente cero.

Become a BBVA customer

Dynamic CVV

Your card has a dynamic CVV that is generated with each purchase.
Pago hiperrápido

You can pay faster from the app's home screen, with your face or fingerprint.
Blindada

Si detectamos un cargo inusual en tu cuenta, te avisamos de inmediato y dispones del modo discreto para proteger tus datos.

Dynamic CVV

Your card has a dynamic CVV that is generated with each purchase.
Pago hiperrápido

You can pay faster from the app's home screen, with your face or fingerprint.
Blindada

Si detectamos un cargo inusual en tu cuenta, te avisamos de inmediato y dispones del modo discreto para proteger tus datos.

Become a BBVA customer

Con una tarjeta se-gu-rí-si-ma

No issuance or maintenance fees. With everything you need.

Become a BBVA customer

Para viajar más ligero con tu tarjeta BBVA

Forget about cash, pay in any currency up to €300 a month with no fees.

Y si tienes menos de 30 años, pagos ilimitados y 3 retiradas de efectivo al mes sin comisiones en todo el mundo.

Become a BBVA customer

How to save on your travels

Y nunca parar de avanzar

Entrena tus finanzas con nuestro Coach Financiero, planea tus inversiones y alcanza tus objetivos.
Puedes utilizar una Segunda Cuenta Sin Comisiones para gestionar tus compras, recibos y pagos y ahorrar
Controla los movimientos bancarios de los más pequeños con la Cuenta para Menores.

Open your account in a few easy 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.

Selected as the best bank in 2025

Awarded for Online Account and Salary Account

Do you want to view the account documentation?

It is available in the FAQ section

Some questions that may come up

Account documentation

It is important for you to know and understand the documents we make available to you before opening this 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 representative services associated with 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 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.

Become a BBVA customer

Fee-Free Online Account

El subidón de la primavera: 150€ para tus gastos

0€ en transferencias

0€ por la tarjeta

€0 in fees

0€ en transferencias

0€ por la tarjeta

€0 in fees

Vente con todo, sin pagar nada

Dynamic CVV

Pago hiperrápido

Blindada

Dynamic CVV

Pago hiperrápido

Blindada

Con una tarjeta se-gu-rí-si-ma

Para viajar más ligero con tu tarjeta BBVA

Y nunca parar de avanzar

Financial Coach

Organiza tus gastos

Conecta a toda la familia

Open your account in a few easy 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.

Selected as the best bank in 2025

Do you want to view the account documentation?

Some questions that may come up

Avoid fees abroad