BBVA for young people who study, work, or travel

At BBVA, we offer checking accounts for students and employees aged 18 to 35:

• The student bank account would be the Fee-Free Young Person's Online Account; No account administration or maintenance fee and no debit card issue or maintenance fee.
  
• The bank account for employees would be the Fee-Free Nómina para Jóvenes Account; No account maintenance and administration fees, no debit card issuing and maintenance fees, although certain requirements must be met, i.e. having a salary of €800 or more.
  

With both accounts, you can make transfers between your accounts in the same bank and transfers to other banks.

• No fees or conditions, and no need to direct deposit/debit a paycheck or bills.
• Limited edition of the Aqua Maxima Debit Card for €0.
• Free Premium Travel Pack: you will save fees when using your card anywhere in the world, with unlimited amounts, including weekends.
• Holafly eSIM with unlimited data to talk and connect from your mobile abroad, valid in 160 destinations.
• Discounts for your trips such as 20% in Ruralka, 15% in Iryo, 15% in car hire, 5% in agencies and much more.
• 10% cashback on subscriptions: Netflix, Spotify, Disney Plus, PlayStation Plus, DAZN, Glovo Prime, Amazon Prime and HBO Max.
• Payments on your cell phone with Google Pay and Apple Pay.
• You can activate the Savings Rules service.
• You can say goodbye to paying fees for your account, your card or for making transfers.
• You'll be able to use over 4,500 ATMs throughout Spain for free.
• You'll have Bizum inside the BBVA app.
• And our chatbot is available 24/7.

The Travel Pack is a service associated with the debit card that you can activate and deactivate whenever you want from your app. 

With the Travel Pack you can use your card outside Spain and pay no fees for:

• Withdrawing cash outside Spain.
• Paying for purchases in a currency other than the euro.
  

You have 3 plans to choose from, depending on how you want to use your card abroad:

• Basic Plan: for €2.99/month you save the fees for 1 ATM cash withdrawal per month and for the first €1,000 of purchases in a currency other than the euro each month.
• Standard Plan: for €7.99/month you save the fees for 3 cash withdrawals at ATMs each month and all purchases in currencies other than the euro, with no limit on the amount!
• Premium Plan: for €14.99/month you save the fees for all cash withdrawals at ATMs and all purchases in currencies other than the euro.
  

With the Fee-Free Joven Account and the Aqua Maxima Debit Card you will have the Premium Plan free forever.

If you are between 18 and 35 years old, you will get the Premium Plan for free on your Aqua Maxima Debit Card and you can:

• Pay in currencies other than the euro with no fees, no limit on payments and no limit on the amount. When you use your card in shops or restaurants, choose the country's currency on the POS terminal. When the payment is made, we will refund the currency exchange fee (this may not happen immediately). 
• Withdraw cash at ATMs without fees, with unlimited withdrawals and amounts, both in euros and in other currencies. If the ATM asks you to apply the exchange rate, choose “no” so BBVA can do it. Once the transaction is complete, we will refund the currency exchange and withdrawal fees. The ATM may charge you other fees that do not depend on BBVA, meaning we cannot refund them.
  

It is an international eSIM card with unlimited data for high-speed mobile connections in 160 countries. Here are the steps to get it:

• Open your Fee-Free Joven account with the Aqua Maxima Debit Card.
• You will receive an email with a code to activate the Holafly eSIM for free.
• Log in to Holafly from the email we sent you to redeem the code before 01/30/2026.

The eSIM is single-use and valid for a single destination. You can use it for a maximum of 10 consecutive days.

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 Maxima 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

If you ever have a problem with your smartphone, with BBVA you can rest easy knowing that the app is completely secure. 

First, remember that access to your BBVA app will be protected by a login password that only you know, or by your biometrics (fingerprint or facial recognition). In addition, in order to do any transaction, two-factor authentication is always required, and involves a one-time password that is sent to your smartphone. 

To make in-person payments with your smartphone, you will need to enter the PIN that only you know when the amount is over €50 (the cumulative daily maximum for this type of payment is €150, after which you will have to enter the PIN again).

If your smartphone is lost or stolen, we recommend requesting a new password by calling Contact BBVA at 900 102 801, and if there are any problems changing it, you can request that the user be blocked. Finally, we also recommend reporting the incident to your phone company.

Your Online Account will continue to be fee-free and will maintain the same conditions.

You will also continue to have the Premium Travel Pack free, forever.

When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The 14-day period begins on the day the account contract is signed.

The right of withdrawal may be exercised via the bbva.es website and the BBVA mobile app (in both cases from the private area, through the "I want to" option in the personal accounts menu). This right can also be exercised in a branch or by calling Contact BBVA.