People

Fee-Free Online Account

Without Fees
Without Terms and Conditions
Without Travel
Without Paperwork

The account online doesn't ask you for ANYTHING to avoid fees: no direct deposits or debits, NOTHING.

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 held at BBVA.

I want an account free of fees

I want to try the app without being a customer

I'm looking for a debit or credit card

I am looking for a house

I'm looking for savings and investment products

I want an insurance policy

More than 700,000 customers are already enjoying this Online Account with no fees or conditions.

Become a customer

Benefits of the Fee-Free Online Account

No account fee

No administration or maintenance fees for the Fee-Free Online Account.

No fees for online transfers

No fees for online transfers within the EEA*.

No debit card fee

No issue or maintenance fees for the Aqua Debit Card.

Without having to bring your salary or bills

You don't need to direct deposit your paycheck or bills to have the fees waived.

No fees at ATMs

No fees for debit cash withdrawals at more than 6,000 BBVA ATMs throughout Spain.

Online or in person, we're at your service

Enjoy the services and features of our app, website and all our branches and ATMs.

Become a customer

*With bbva.es you don't pay any fees on transfers in Euros, Swedish Krona or the Romanian Leu within the European Economic Area (members of the European Union & Iceland, Liechtenstein and Norway). Excludes electronic transfers, emergency transfers, Fund Movement Orders (FMOs), Value Day transfers, and instant transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

Aqua Card. Greater security, more control

A new card with no numbers to control all your expenses.

More secure. The card number and CVV code are no longer printed on it. Only you can access them through the app.
Dynamic CVV. The CVV security code changes automatically, meaning it's not always the same. This way you will be more protected when you shop online.
More control. Temporarily turn your cards on or off whenever you want. This way, you can keep them secure if you can't find them or don't use them.

With the Bank Switching Service, we will handle everything for you

A free way to bring your deposits and bills, or your entire account from another bank, with no paperwork, without having to go to a branch and without talking to the other bank.

Become a customer

More than 6,000 ATMs across Spain

No fees for debit cash withdrawals at more than 6,000 BBVA ATMs throughout Spain.

Become a customer

Do it all on your phone with the BBVA app

Turn your cards on and off. Withdraw money without a card and get lots of tools to stay on top of your money.

Do you want it?

Your Online Account could be up and running in under 10 minutes.

Become a customer

Moreover, save hassle-free with Set up your account

You can save easily and quickly, activating rules and combining them however you like to save and control your money automatically.

Branches and ATMs

Always nearby
Support Center

Queries, claims and incidents
Emergency support

Emergency help

Learn about megatrends and how to invest in them from our experts. More information

Technology so you can take care of yourself for life

Enjoy the digital advantages of bluaU by taking out BBVA Más Salud insurance now. More information

Protect yourself from fraud

Types of malware and how to get rid of it. More information

BBVA Environmentally Friendly Car Loan

We'll help you to finance your electric or hybrid car. More information

See what BBVA can do for you

Download the BBVA app and start enjoying all its benefits.

BBVA Collectives

Depending on your profession, we offer services and products with conditions designed just for you.

At BBVA, we know that each profession has specific needs. Learn about the services and offers we have designed for you.

Everything from your cell phone

Discover everything you can do from the BBVA app.

Turn your cards on and off.
Pay non-automatic bills with just a photo.
Withdraw cash without a card.
Pay with your cell phone.

Aggregation service

Add your other banks to the best banking app in the world.

Check the status of your accounts, cards, recent transactions, etc.
BBVA will never ask you for your passwords. Your payments and transfers will be made from your other banks.

BBVA Valora

BBVA Valora helps you evaluate the price of a used car, a home and much more.

With BBVA Valora, you'll know the estimated value of a home so you can decide whether to rent or buy. If you already have a home, BBVA Valora can help you combine all your home expenses and get related information. You can also analyze the price of a car, whether you wish to sell it or buy one.

Become a customer

Use the BBVA app without being a customer

Try out our best financial tools. Connect all your bank accounts and make better decisions.

Free and in just one minute.

More information

Fee-Free Online Account

Benefits of the Fee-Free Online Account

No account fee

No administration or maintenance fees for the Fee-Free Online Account.

No fees for online transfers

No fees for online transfers within the EEA*.

No debit card fee

No issue or maintenance fees for the Aqua Debit Card.

Without having to bring your salary or bills

You don't need to direct deposit your paycheck or bills to have the fees waived.

No fees at ATMs

No fees for debit cash withdrawals at more than 6,000 BBVA ATMs throughout Spain.

Online or in person, we're at your service

Enjoy the services and features of our app, website and all our branches and ATMs.

Aqua Card. Greater security, more control

With the Bank Switching Service, we will handle everything for you

More than 6,000 ATMs across Spain

Do it all on your phone with the BBVA app

Moreover, save hassle-free with Set up your account

Branches and ATMs

Support Center

Emergency support

Discover the investing megatrends

Technology so you can take care of yourself for life

Protect yourself from fraud

BBVA Environmentally Friendly Car Loan

See what BBVA can do for you

Download the BBVA app and start enjoying all its benefits.

BBVA Collectives

Depending on your profession, we offer services and products with conditions designed just for you.

Everything from your cell phone

Discover everything you can do from the BBVA app.

Aggregation service

Add your other banks to the best banking app in the world.

BBVA Valora

BBVA Valora helps you evaluate the price of a used car, a home and much more.

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