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

For €0 and no conditions. You'll definitely save money!

  • Get your Fee-Free Online Account and Aqua Debit Card for €0.
  • Do you want to save money for the next 12 months? You can get up to €760 over one year just for using your account like an account.

Enter this code when you open your account before 2/24/2026:

Copy code PLAN760

In just a few minutes, only for new customers.

Save up to €760 almost without noticing

You choose what you want to do and how much to add.

  • +€120 with Bizum

    Send money or make payments with Bizum and earn up to €10/month.

  • +€120 with your card

    Pay with your Aqua Debit Card and earn up to €10/month.

  • +€120 for your bills

    Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.

  • +€400 for your paycheck

    Direct deposit your paycheck of at least €800 and earn €33.33/month.

It's very BBVA that it costs you nothing to come

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

Fee-free Aqua Debit Card, ready to use.

Free online transfers and cash withdrawals.

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 free of charge.

You have the most complete Bizum and instant transfers 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.

... and with the freedom to choose

Immediately

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

Later

When you open an account, you can get the Aqua Más credit card with no fees and 2% cashback on your shopping.

Whenever you want

With the service to pay expenses in installments if you have it in your account. Now, the first payment is free.

If you're under 30, you travel with no fees.

With the Aqua Debit Card, you can travel the world without worrying about fees. Wherever you go, you can use it for free, 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.

And get all this with no fees or commitments

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 BBVA ATMs in Spain.

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.

Watch video

Do you want to view the account documentation?

It is available in the FAQ section

Get answers to all your questions

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:

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).
  • Account overdraft fee: €0 if it does not exceed €18. From €18.01 up, the management fee is €30.

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