BBVA for young people who study or work

In order to open a Young Person's Online Account, you must be between 18 and 29 years old.

Bizum is a tool that is integrated into the BBVA app, with which you can send and receive money just by knowing the other person's cell phone number. Decide how much to send, enter their phone number and they'll have the money in their account instantly. And if someone else wants to pay you, with Bizum it's just as easy. Just keep in mind that you can send between €0.50 and €500 per operation, limited to €1,200 a day and €5,000 a month.

Withdrawing cash at ATMs with the Young Person's Aqua Debit Card is subject to these fees:

• ATMs of the BBVA group in Spain: 0%.
• ATMs in Spain belonging to banks not in the BBVA group: for debit cash withdrawals in euros, BBVA will charge the same fee charged to BBVA by the bank owning the ATM. This amount will be provided by the bank that owns the ATM before the cash withdrawal.
• ATMs located outside Spain: 4.5% (minimum €3).
  

You can carry out two types of transactions with the BBVA Goals Account:

• Deposit operations: cash deposits at a branch or ATM, funds transfer orders between BBVA accounts, and national and international transfers through any channel.
• Drawdowns: funds transfer orders between your BBVA accounts, and transfers within the European Economic Area. (1)

Keep in mind that this account does not allow direct deposits or debits and does not offer credit or debit cards, checkbooks, checks, or ATM cash withdrawals.

(1)At bbva.es, the BBVA app and ATMs, pay no fees for transfers in euros, Swedish krona or Romanian leu (ron) 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 transfers.

If you open a Young Person's Va Contigo Salary Account and direct deposit a paycheck of at least €800 a month, you will have a personal adviser to help with your banking and to answer any questions. 24/7 service on the private area of bbva.es and the BBVA app, and during extended hours by phone and in our branches.

Plus, in the My Conversations section of the website and app, you can keep track of all the questions you ask.

The NIR (Nominal Interest Rate) is paid to a bank in exchange for the money that it loans to customers. The NIR is usually less than the APR and can't be used to compare the cost of different loans, since it only considers the interest rate and not all the costs of the transaction.
 
The APR (Annual Percentage Rate) indicates the cost of a financial product, such as loans, and includes both the interest and the various costs and fees associated with it. This figure lets you compare different loans since the lower the APR, the cheaper the loan.