+€400 for bringing your paycheck
or pensions over €800, or self-employment contributions, and earn €33.33/month.
Fee-Free Online Account
No fees and up to €1,060—every little bit helps when it comes to saving!
- You will have your card and account for €0, with no conditions.
- And now you can earn up to €760 in your first year just for using your account—and up to €1,060 if you transfer your savings.
Enter this code when you open your account before 10/20/2026:
In just a few minutes, only for new customers.
Take up to €1,060, you decide how much to add
You decide what you want to do and how much to add. You don't need to do it all, you can use your account however you want.
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+€120 for using your card
Pay with your Aqua Debit Card and earn up to €10/month.
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+€120 for using Bizum
We'll give you back up to €10 per month for paying or sending Bizum.
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+€120 for paying your bills.
Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.
and +€300 for switching your savings
If you keep a balance of €10,000 in the first year, you get €300 a year, that's €25 a month.
That you have everything ready to start
We'll show you how to start using your account and card right away.
We'll bring over whatever you have in other banks and your direct debits, free of charge.
You have the most complete Bizum service at no cost.
If you have any questions, you can ask our team or your virtual assistant.
That you can pay securely...
Your card has a dynamic CVV that is generated with each purchase.
If someone looks at your screen, discreet mode is activated to protect your data.
You can pay faster from the app's home screen, with your face or fingerprint.
If we detect an unusual charge in your account, we will notify you immediately.
Now, travel lighter with your BBVA card
Forget about cash, pay in any currency up to €300 a month with no fees.
And if you’re under 30, get unlimited payments and up to 3 fee-free cash withdrawals at ATMs worldwide, even on weekends.
With your Aqua Más, you'll pay 2% less
When you open your account, you will see if you have the Aqua Más credit card available. Got it and want to keep it? We'll give you 2% back on the purchases you make with it in the first year, with no limit. Only for new customers who open the account and sign up for the card at the time of registration, digitally.
Because it's very BBVA to move forward with you
Give your finances a workout with our Financial Coach and achieve your goals.
Organize your shared expenses with a Second Fee-Free Account.
Use BBVA Valora to find out whether it's better to buy or rent.
Keep the whole family connected with the Account for Minors.
Up to €660 for referring friends? Great plan
Start thinking about what to do with the €660 you could earn by referring your friends. And each friend could get up to €450 for joining.
And all this with no fees or conditions
Fee-Free Online Account
No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).
Aqua Card
The account includes a debit card with no issuance and maintenance fee for each holder.
For transfers
From bbva.es, the BBVA app or ATMs within the European Economic Area.
For withdrawing cash
Withdraw cash on debit at more than 4,500 ATMs and 1,800 BBVA branches in Spain.
Open your account in a few easy steps
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Choose whether it's just for you or if you will share it with someone else.
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Enter your details, create a password, and sign with the SMS you receive.
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Download the BBVA app and log in with your password.
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To confirm your identity, take photos of yourself and your DNI /TIE.
Selected as the best bank in 2025
Awarded for Online Account and Salary Account
Get more from your bank
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Steps for opening a bank account
Te contamos cómo y dónde abrir una cuenta bancaria paso a paso y qué requisitos son necesarios para contratarla. -
Requirements for opening an account from bbva.es
We explain what you need to do to sign up as a BBVA customer online and open a bank account. -
How do I change my bank account to a different bank?
Discover how to switch banks with BBVA's Bank Switching Service, whether you want to transfer your account or your income and payments.
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.