Fares and contracts

Fees, conditions and expenses chargeable to customers

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FEES

Index: In force from 3.23.2011
 

(26 kb) -- 00-General conditions of the fee for operations in euros on the national market

(62 kB) -- 01 - Collection, refunds and claims of bills

(25 kB) -- 02 - Protest charges and declaration of non-payment of negotiable instruments

(36 kB) -- 03 - Trading, Clearing and Refunding of Checks

(43 kB) - - 05 - Payment services: Company orders for bank direct payment of bills, assignment of direct bank payment and returns

(57 kB) - - 06 - Payment services: Transfers and other payment orders (EEE). Paycheck.

(40 kB) -- 08 - Pre-guarantees, guarantees and other

(56 kB) -- 09 - Accounts and financing

(51 kB) - - 10 - Payment services: Checking accounts and savings accounts

(25 kB) - - 11 - Payment services: Checking account for fund centralization

(50 kB) -- 12 - Online Banking Services

(35 kB) -- 13 - Leasing

(34 kB) -- 15 - Checks and other guaranteed payment documents

(37 kB) -- 16 - Safety deposit boxes and custody of other deposits

(78 kB) - - 17 - Payment services: Credit cards, debit cards, prepay cards and electronic money

(91 kB) -- 18 - Miscellaneous services rendered

(91 kB) -- 20-Securities market transactions and services

(36 kB) -- 21 - BBVA Factoring and Reverse Factoring

(46 kB) - - 22 - Payment services: Bundled services - Transparent Accounts

(43 kB) - - 23 - Payment services: Bundled services - Business

(26 kB) -- 24 - Term deposits

(27 kB) -- 50 - General conditions of the fee for operations in foreign currency

(37 kB) -- 51 - Pre-guarantees, guarantees and other guarantees, abroad

(35 kB) -- 52 - Documentary and simple credits, acceptances, standby, isp98 and payment orders against documents, abroad

(36 kB) -- 54 - Simple and documentary remittances taken in trading or collection management in currencies

(40 kB) -- 55 - Documentary credits, letters of credit, standby, isp98 and documentary payment orders from abroad

(26 kB) -- 56 - Financial loans and financing in currencies

(25 kB) -- 57 - Transactions with foreign bills and currencies

(24 kB) -- 59 - Foreign Exchange Forward Transactions

(24 kB) -- 60 - Currency options

(23 kB) -- 61 - Direct debiting and sundry procedures in foreign currency

(28 kB) -- 62 - Handling and information fees in currencies

(23 kB) -- 63 - Foreign currency clearing operations

(26 kB) - - 64 - Payment services: Accounts in foreign currency

(56 kB) -- 65 - Credit accounts, loans, financial bills, overdrafts on credit accounts and advances on bills or certificates in foreign currency

(24 kB) -- 66 - Futures market (in currency)

(49 kB) - - 67 - Payment services: Transfers, abroad excluded (EEE), and transfers in foreign currency on the domestic market.

(30 kB) -- 68 - Checks and Travellers Checks in currencies

(26 kB) - - 69 - Payment services: money wiring

Information contractual

Enquiry the form of agreement of gestión discretionary and individualized of portfolios of inversiónvigente to this date. In the contract process generate one personalized one with your details.

View Discretionary Portfolio Management contract 

Enquiry the version 2/2016 of the form of agreement of discretionary and individualized management of global management of portfolios of investment and of the contract of counseling with regard to investments to which have built in for your information, among others, the modifications contractual derived from the entry into force of the MiFID Guidelines II. The previous versions are not the ones BBVA currently signs with its customers. 

View the contract for comprehensive, discretionary and individualized investment portfolio management. 

View the investment advisory contract.

Enquiry the Annex I to the MultiNon-guaranteed Multi Voucher financial contract.

See document

 

Legal documentation

See in this table the information relating to the Structured Bonds, your issuance programs and your respective series of Notes Structured.

Interest rates and fees

Interest rates and fees for tacit overdrafts in deposit accounts and tacit overdrafts in credit accounts

(257 kB) -- Circular 5/2012 - Annex 2

Quarterly information on the fees and rates most commonly applied or offered in the most frequent transactions with the most common customer profiles of individuals.

(252 kB) -- Circular 5/2012 - Annex 1

Transactions

ENTITY: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Year Month P State Code Bank
Year
2012
Month
01
P
--
State
D
Code
0010
Bank
0182
PRIME RATE 7.00
PRIME RATE
OTHER TYPES OF REFERENCE
7.00
Nominal rate
Cash on hand
PRIME RATE
3-month Credits and Loans
7.00
9.00
9.31
PRIME RATE
1-year Credits and Loans
7.00
9.00
9.31
PRIME RATE
3-year credits and Loans
7.00
9.25
9.58
PRIME RATE
Ship-building Loans over more than 5 years (R.D. 442/1994)
7.00
11.50
12.01
PRIME RATE
Financ. Export. At 90 days
7.00
9.00
9.31
PRIME RATE
Financial Discount at 1 year
7.00
9.00
9.31
PRIME RATE
Financial Discount at 3 years
7.00
9.25
9.58
PRIME RATE
Consumer Borrowing
7.00
10.50
11.01
Home loans
Home loans

Fixed-rate loans

5.70
5.85
Home loans

Variable-rate loans

3.50
6.01
Home loans

Overdrafts in Checking Account with Consumers 

8.41
8.75
Home loans

Rest of overdrafts 

29.00
33.18
Home loans

Credit Account Overdrafts 

29.00
32.31

Note 1 - In the case of overdrafts on account with consumers in article 20.4 of Law 16/2011, the interest rate applied cannot give rise to an annual equivalent rate 2.5 times greater than the legal interest rate of money established.

Note 2 - The reference rates are guidelines only, without prejudice to the rates agreed by contract. In Home Loans, the contract rates can be revised periodically, if stipulated in the contract. 

Note 3 - Overdrafts on checking accounts or credit accounts accrue the corresponding Overdraft fees where applicable. 

Note 4 - The rates stated on this statement do not include commissions or other charges. (*) 3.50 the first year and, thereafter, the average reference rate for joint entity Mortgage Loans issued by Banco de España, without interest rate spread. The A.P.R. is calculated on the basis of a 15-year term.

Effective date: 02 (Day) 01 (Month) 2012 (Year) 

In Madrid on January 17, 2012 Signed:  Jaime Saenz de Tejada Pulido

Custody and/or Administration of securities

Telematic services and online banking terms and conditions

Currency and Banknote Exchange