Can I choose whether their Aqua Debit Card is physical or digital?

Yes, when you open their account, you will be able to choose the card format you prefer. If you choose the digital option, you will know that it is always on their phone, so it cannot be lost. If you also want the physical one just in case, you can request it later at no extra cost.

How do I open my child's account online?

If you are not a BBVA customer , you must open both your account and theirs at the same time. Here is how to do it: Click on "Become BBVA customers". First, you will complete the steps to open your Online Account without Fees. To confirm your identity, we will ask for photos of you and your Identity card (DNI or TIE). Then you will complete the steps to open their Online Account for Minors. To confirm you are family, we will ask for photos of the child’s DNI or TIE and the family record book or birth certificate. Finally, you will have a video call with a BBVA representative to verify everything is correct. You can also download the BBVA app and complete the process without a video call. And that is it. You can now use your accounts! If you are already a BBVA customer , you only need to open their account. Here is how: Log into the app > in the bottom menu, click on Apply > Accounts > Online Account for Minors. Log into your private area of bbva.es > in the side menu, click Accounts > Online Account for Minors. Complete the steps in the process to open the account. To confirm you are family, we will ask for photos of the child’s DNI or TIE and the family record book or birth certificate.

Can I direct deposit my child's scholarships into this account?

Yes, any scholarship or financial aid for children can be direct deposited into this account. In fact, the minor must have an account in order to apply for a grant or financial aid. If you want to apply for a grant for a minor, it is better to open their account beforehand. You can do it easily online.

How can I see my child's account once it is registered?

By default, the child's accounts are hidden in your private area or app. To view them in real time, you'll need to set them up by following these steps: Open the menu and select settings. Choose "configure products". You will be able to see the account of the minor hidden there and make it visible (view) or visible and switched on (view and operation).

Can I cancel any of the products that go with the account?

If the child is 12 to 17 years old, your Child Online Account includes: Aqua Debit Card. BBVA app with Bizum option. Saving Goals Account. 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.

How does the Aqua Debit Card work in other countries?

If your child travels to another country to study or learn languages, they can use their Aqua Debit Card and save on the usual fees. We'll tell you how: When paying in shops and restaurants (whenever they want) In the POS terminal or dataphone, you will have to choose the payment to be made in the country's currency (for example, dollars if it is in the USA). At that time your account will be debited with the exchange rate fee charged by the card brand (such as VISA or Mastercard) for the currency exchange. When the transaction is completed, we will refund the currency exchange fee. When they withdraw cash at ATMs (up to 3 times a month) They can choose any ATM to withdraw cash in another currency. If the ATM asks them to apply the exchange rate, you will have to choose “no” so that we can do it from BBVA. At that time, the following will be charged: the exchange rate fee applied by the card brand and the fee for withdrawing cash at the ATM applied by BBVA. When the transaction is completed, we will refund both fees. The ATM may charge them other fees for each transaction. Since these types of fees do not depend on BBVA, we cannot refund them.

Can I take out money from my child's account?

Yes, you can do it in a BBVA branch. As the cardholder is the minor, only he can withdraw cash from the ATM.

Can I make transfers and save with this account for children?

Yes, you can make internal and external transfers. At bbva.es, the BBVA app, and at ATMs you do not pay commissions on your standard and immediate transfers in euros, Swedish krona or Romanian leu (ron) within the scope of the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Transfers using magnetic media, Fund Movement Orders (FMOs) and Value Day transfers not included. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

What will happen to the account when they turn 18?

The Online Account for Minors is in your name. Therefore, when he or she turns 18, your son or daughter will be able to manage his or her account 100% with no fees or conditions. They will also be able to use the BBVA app for adults. However, since you will no longer be their representative, we will have to verify your son's or daughter's identity with a video call or video selfie

If it sounds familiar, it's very BBVA

BBVA for families
Financial education
Promotions

RISK LEVEL

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 established at BBVA.

An account designed to grow with your family

Because each stage of life is different, your account will evolve so that you can learn and grow together

Between 0 and 11 years
You can use this account to direct debit grants or scholarships and save for their future.

Fee-Free Online Account
Become BBVA customers
Between 12 and 17 years old
You will have everything you need to start managing their money:

Fee-Free Online Account

BBVA app tailored to their age

Bizum in their app

Aqua Debit Card with advantages for traveling

Saving Goals Account
Become BBVA customers

They'll have their own card and app

To make their first purchases, with you in control

They'll get a physical or digital Aqua Debit Card with no preset limits, which they can:

Pay securely, their CVV code will change to avoid fraud, and you will receive a notification with each payment.
Add it to their cell phone so that they always have it with them without fear of losing 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.

Become BBVA customers

So they can get their Bizum when they say "Mom, I need money"

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.

Become BBVA customers

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.

Become BBVA customers

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.

Become BBVA customers

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.

Become BBVA customers

Online Account and Goals Savings Account for Minors

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.

More information

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.

Children's Online account

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Children's Online account

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Bizum for minors

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Aqua Debit Card - Travel Pack

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App adapted for minors

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Aqua Debit Card - Mobile Payment

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Aqua Debit Card - Card security

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Saving Goals Account

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Savings Rules for Minors

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Parental oversight and control

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Pay and rewards

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Responsible use of devices

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Effects of the digital world

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Phishing

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Sharrenting

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Digital footprint

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Is everything we see on the Internet true?

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Teach them the value of hard work and how to manage their savings

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

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Encourage reading so they can learn and make better decisions

Watch video

Children's Online account

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

You can open one account for yourself and one for your children on the same day - both without any fees! Also, if they are over 12 years old, they will have their BBVA app adapted with Bizum and their own Aqua Debit Card.

Become BBVA customers

See the Online Account for Children

Here's what you need to do

First, become a BBVA customer with the Fee-Free Online Account
An account with no administration and maintenance fees that includes the Aqua Debit Card with no issuance and maintenance fee.

Remember to use the code AHORRO30 when opening it.
When you become a customer, open your Account for Minors for your child and make a deposit of €5 to €10
If your child is between 12 and 17, their no-fee account includes the Aqua Debit Card with travel benefits, the BBVA app tailored to their age, Bizum, and a Goals Savings Account. You can open it from your private area or your app.

Make a monthly deposit of €5 to €10 into their Online Children's Account. We will deposit the same amount up to a maximum of €10 net a month, over 3 months.

How does the promotion work?

Starting school will cost less with an extra €30

You have until September 30th to open your accounts. Take advantage!

Become BBVA customers

View the terms and conditions

If it sounds familiar, it's very BBVA

An account designed to grow with your family

Between 0 and 11 years

Between 12 and 17 years old

Starting school costs less with an extra €30

They'll have their own card and app

To make their first purchases, with you in control

So they can get their Bizum when they say "Mom, I need money"

So they can learn to save with your help

And little by little, become more aware of their spending

You will be able to give them confidence without losing 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

Online Account and Goals Savings Account for Minors

Children's Aqua Debit Card

By Bizum and transfers

For card payments in foreign currency

Your doubts and those of many families

What documentation is required for the Children's Online Account?

Can I choose whether their Aqua Debit Card is physical or digital?

How do I open my child's account online?

Can I direct deposit my child's scholarships into this account?

How can I see my child's account once it is registered?

Can I cancel any of the products that go with the account?

How does the Aqua Debit Card work in other countries?

Can I take out money from my child's account?

Can I make transfers and save with this account for children?

What will happen to the account when they turn 18?

Together we will lose the fear of finances

How much do children know about money?

Do you want to improve your children's financial literacy?

Pay what is owed

Travel with peace of mind

What would we do without apps?

Do you know the story of the ice man?

Teens and gambling

Why are piggy banks like that?

Make ends meet?

Are we truly free?

Do you give your children pocket money?

Dad, I want a cell phone

What effects does the digital world have on our children?

Would you like to protect your children from the dangers of the Internet?

What information do you share about your children on the Internet?

Do you know what tracks we leave on the Internet?

Be self-critical and check information

Talk openly at home about money

Expense types

Reading habits

Children's Online account

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

Do you want to start the school year with an extra €30?

Here's what you need to do

First, become a BBVA customer with the Fee-Free Online Account

When you become a customer, open your Account for Minors for your child and make a deposit of €5 to €10

Starting school will cost less with an extra €30

You have until September 30th to open your accounts. Take advantage!