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For €0 forever, with no plans or subscriptions

  • Between 0 and 11 years

    They will have their account to receive direct debits for scholarships or grants and to store their money:

    • Fee-Free Online Account

  • Between 12 and 17 years old

    They can get organized with their expenses and learn to save money:

    • Fee-Free Online Account
    • BBVA app tailored to their age
    • New! Automatic allowance in their app
    • Bizum with limits for teens
    • Customizable Aqua Debit Card
    • Free Pack Viajes with no fees
    • Goals Savings Account with automatic savings rules

They'll have their own card and app

To make their first purchases, with you in control

They will have their Aqua Debit Card with no fees, either physical or digital, and supervised by you, with which they will be able to:

  • Pay securely, their CVV code will change to avoid fraud, and you will receive a notification with each payment. 
  • Add to their cell phone to always have it with them without fear of losing it. In addition, you can set limits and decide how much they spend with it.
  • Turn it off from their app if they have a physical card and can’t find it, and turn it back on if it’s found.
  • Save on fees in other countries for exchange rates and for withdrawing cash 3 times a month.

And their card can be as unique as they are

With their BBVA app, they can customize it to their liking. They just need to upload a photo or idea to the app and the AI ​​will do the rest.

To go from "Mom, I need money" to an allowance that arrives on its own

Activate it in your app and they will receive it every week or month automatically.

One less thing for you to worry about while they learn to handle their money and be more aware of their expenses.

And receive an instant Bizum payment if you're not around

That way you make sure they have money if you're not around. They will also be able to share expenses with friends or receive gifts from family. 

The service has pre-established limits and you can set it up as you want or even cancel it in the Bizum section of your BBVA app or private area.

So they can learn to save with your help

They will have a Goals Savings Account, which you will manage from your app. And if you activate the savings rules, you can automatically set aside money in their account.

  • You can round off your purchases made with a card, so they can keep the change. 
  • At the end of the month, your children will be able to save a portion of the balance left in their Online Account.

And little by little, become more aware of their spending

We have adapted the BBVA app to their age so they can manage their pocket money and review every movement in their account.

This will help you learn good financial habits such as covering expenses and saving.

What will not change will be your peace of mind

You will be able to choose between a physical or digital card, set their spending limits and restrict where they can use it.

You'll get notifications of everything they do: card payments, Bizum and ATM withdrawals.

Payments will be blocked in sectors not suitable for them, such as online gaming, casinos and gambling.

You'll be able to send their allowance to their Online Account and keep their savings in the Goals Account, which only you control.

And, want to know the best thing? Whatever their age, it won't cost you anything

No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).

Children's Aqua Debit Card

No issue or maintenance fees.

By Bizum and transfers

Transfers via bbva.es, the BBVA app or at ATMs within the European Economic Area.

For card payments in foreign currency

And for withdrawing cash up to 3 times a month at ATMs outside Spain.

Your doubts and those of many families

It is important for you to know and understand the documents we make available to you before opening these accounts. You can view them here:

IP Children's Online account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

FID Children's Online account: information document about the fees applied for using the main services associated with the payment account.

IP Goals Savings Account for Children: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

IP Children's Aqua Debit Card: document with pre-contractual information that details the conditions between BBVA and the account holder.

You can also view a list of the most representative services associated with a payment account.

Together we will lose the fear of finances

Having good financial habits helps them face the world and ensures their well-being in the future. We have created these nuggets to help you build your relationship with money. The sooner you start, the better.

  • Expense types

    Help them tell the difference between what they need and what they want

  • Reading habits

    Encourage reading so they can learn and make better decisions

Children's Online account

More than 400,000 families have already joined BBVA. Do you want to join?

Open their Online Account for Minors and, if you want, yours too on the same day, both commission-free! You'll be able to see their transactions from your app and accompany them in their first steps with their own money.