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    • Home
    • Accounts
      See all accounts
      Online Account for minors
      • Direct deposit paycheck
      • Switch to BBVA
    • Cards
      See all the cards
      Credit cards Debit cards Pre-paid cards
      • We help you choose your card
    • Mortgages
      See all mortgages
      Hipoteca Joven Bring your mortgage
      • Mortgage calculator
      • Mortgage switching calculator
      • Mortgage revision calculator
      • BBVA Valora
    • Loans
      See all loans
      Personal Online Loan
      • Loan Simulator
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      See all our insurance policies
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      • Bank Moving Service

        Switch to BBVA and we'll handle all the paperwork for you.

      • Solar panel calculator

        Calculate your savings with solar panels in your home.

      • Sections: if I don't see it, I don't spend it

        Put away money from your main account and save easily.

      • Try out BBVA without being a customer

        Discover the features of the BBVA app without opening an account.

      • Bizum

        Send and receive money from your phone instantly. As easy as sending a message.

      • Mobile payment

        Leave your wallet at home and pay for everything with your cell phone.

      Want to try the BBVA app without being a customer?

      You can add all your banks, make an appointment to speak to an agent, calculate the value of a house and do other day-to-day business. Without being a customer and without commitment. Register in two steps and get to know us little by little.
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      Bank Moving Service

      We take care of everything so that it costs you nothing

      Switch to BBVA effortlessly. We'll transfer whatever you want from your other bank, for free: deposits, bills or your entire account.

      • 100% online, fast and secure process.
      • No need to talk to anyone and no paperwork.
      • Plus, you could get up to €760 the first year for direct debiting your bills, direct depositing your salary, and using your card and Bizum.
      Switch to BBVA

      Up to €760 for using your account like an account

      • +€120 with Bizum

        Send money or make payments with Bizum and earn up to €10/month.
      • +€120 with your card

        Pay with your Aqua Debit Card and earn up to €10/month.
      • +€120 for your bills

        Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.
      • +€400 for your paycheck

        Direct deposit your paycheck of at least €800 and earn €33.33/month.
      Switch to BBVA
      How it works

      We will switch over your electricity bills, internet bills, car insurance bills, etc.

      • We only need a photo of the bill you want to direct debit.
      • We will notify the issuer of the bill to change the direct debit.
      • The receipt will arrive to your BBVA account without you having to do anything.

      Remember that you could get up to €120 the first year for direct debiting your bills.

      Switch to BBVA
      More information

      We will switch over your paycheck, pension or any other income for you.

      • We contact whoever pays you to manage the change.
      • We handle the direct debit changes with Social Security for pensions. If all goes well, you will start receiving the pension in your new account on the 25th of the next month.

      Don't forget that you could get up to €400 the first year for direct depositing your salary or pension.

      Switch to BBVA
      More information

      Or if you prefer, we will transfer your entire account

      • Tell us the account number you want to transfer.
      • Choose what you want to bring over: transfers, deposits, balances or bills that you have direct debited.
      • We will take the necessary steps and, if you prefer, we can request the closure of your account.

      You could get up to €120 for using Bizum and up to €120 for using the card, which, together with your salary and bills, total €760 the first year.

      Switch to BBVA
      More information

      Switch over to BBVA in just a few steps

      • Open your Online Account

        With no fees or conditions.
      • Log into your Private Area

        Through bbva.es or the BBVA app.
      • Choose what you want to do

        Transfer your entire account or just the income or bills.
      • Contact us if you have any questions

        You will be able to follow up from your private area or call 91 919 01 41.

      We have already handled more than 100,000 applications.

      You can also come to BBVA through a simple process.

      Switch to BBVA

      Switch to the bank that moves in the same direction as you

      No fees or conditions for the Online Account and the Aqua Debit Card.

      By direct debiting your salary or pension, you will be able to access better conditions on loans and mortgages.

      You will be able to withdraw cash by debit without fees from 4,500 ATMs throughout Spain.

      And with the Paycheck Advance service, you can get paid in advance if you need to.

      Switch to BBVA

      This will help clear up any uncertainties

      This is a service that makes all the arrangements for you to transfer your deposits and bills from another bank to your BBVA account. You can also request to transfer the balance and close the other account using a free and simple process in which you decide what you want to bring over.

      Once you open your free account, you can request the transfer of accounts from bbva.es, the mobile app or at a BBVA branch.

      • Enter the number of the account you want to transfer to BBVA and choose all the options you like: transfer your standing orders; transfer your recurring income and debits; close your other account by transferring the entire balance.
      • Specify the date on which you want the transfer to be made. Select a date such that any payment commitments and recurring deposits (salaries, pensions, etc.) will have time to reach the new account. 
      • The minimum period for completing the process is 15 business days after all the account holders sign the request.
      • The balance is transferred from the other bank on the date specified by the customer. It could take a few days for the amount to be deposited in the destination account.
      • The transfer process will commence when the request is signed by all the account holders.
      • Within 2 days, BBVA will ask your other bank for the details needed to transfer the account.
      • Your other bank will have a maximum of 5 days to accept it and send us the information requested.
      • Once the information is received, BBVA will have 5 days to set up the standing orders from your old account into your new account and notify the payment issuers of the new account.
      • Your other bank will take care of closing the account and transferring the balance to your BBVA account on the date you specify in the request.

      We keep you informed of how the process is progressing and, if necessary, we will ask you for additional information through notifications in the My Mailbox section of the website and the mobile app, and also by email.

      Download the account transfer sample form

      Yes, you must be a BBVA customer. To do this, you simply have to open a Fee-Free Online Account. It only takes 10 minutes and it's completely online.

      Become a customer

      The Bank Transfer Service is completely free and has no charges or fees.

      • You will need to have a payment account for individuals with BBVA. Keep in mind that corporate accounts and those intended for commercial or professional activities are excluded.
      • The account holders of the recipient and source account must be the same and the transfer application must be signed by each and every one. The other bank may refuse the transfer if the general conditions of the service are not fulfilled. It is also possible that balance transfers may be denied when the source account has direct debit payment commitments.
      • On the transfer request form, you have to specify what information you want BBVA to request from your other bank and what it will be used for. And if you want, you will receive a copy of the information that is exchanged between the banks.
      • If you want to close your previous account, you will have to return any cards, checks, passbooks, etc. that are in your possession to the original bank.
      • A balance transfer will result in the original account being closed. Partial transfers will not be accepted. It's free and it is started by the source bank on the date you specify.  It may take a few days for your account to be credited
      • Any transfer you make between the source account and the destination account outside the transfer process may entail a fee.
      • You have to keep a sufficient balance in the old account until the transfer is complete.

      To manage the account transfer procedure, BBVA will do the following:

      • Ask your other bank for the information necessary to manage and process your request to transfer the account to BBVA. 
      • Set up any permanent transfer orders that you want in your new BBVA account, starting from the date you state in your request (your other bank will be responsible for cancelling these same orders in your previous account).
      • If you wish, BBVA will notify your payers and issuers of your direct debits (bills) of the account change. The account change will be processed by your payers and issuers.
      • Manage with the Social Security the change of pension account of the general regime (temporarily only available in applications made at a Branch). BBVA sends your application to the General Treasury of the Social Security (TGSS) and will inform you if it is accepted or rejected. The TGSS will also manage the change of the pension account you have in your name.
      • To ensure that no charge is returned, BBVA will accept direct debits (bills) and incoming transfers from the date specified in your application (your other bank will no longer accept them).

      CHANGE UNEMPLOYMENT BENEFIT

      In these cases, BBVA cannot intervene, since the government requires the recipient to personally process any changes to the direct deposit account through the SEPE. In the transfer process, we will provide you with the options available to contact and request the change of account.

      CHANGE NON-CONTRIBUTORY PENSIONS OF THE SOCIAL SECURITY OR OTHER BODIES

      If you receive non-contributory pensions issued by the General Treasury of the Social Security or pensions issued by other bodies such as Muface, Mugeju, Isfas, etc.; you will need to contact the corresponding body in-person to communicate the change of account.

      ISSUERS OF BILLS OR TAXES

      There are entities, companies and agencies that issue direct debits, such as the Tax Agency and some municipalities, that only allow the account holder to be the one to report a change in accounts. In addition, in the case of municipalities, changes to direct debited tax payments (property tax, waste collection tax, etc.) are not allowed in the 2 months prior to the voluntary payment period. 

      Keep these cases in mind when choosing the date to execute the transfer. And make sure you keep a balance in both accounts, the old one and the BBVA account, so you can make any payments until the account is transferred.

      TRANSFERRING THE BALANCE AND CLOSING THE ACCOUNT

      BBVA will inform the other bank of your request to transfer the balance and close the account. The other bank is responsible for transferring the balance to the BBVA account and closing the account on the date you specified in the request.

      The transfer of accounts between banks in Spain takes at least 15 business days from the application date (this includes the period for every account holder to sign). If you wish, you can also request that it be done over a longer period of time.

      Keep in mind what type of operation you are going to transfer, because it could affect the transfer times. Our general recommendation is that you select 1 month from the current date.

      Some deposits, such as a pension or paycheck, can take up to 2 months to change accounts.

      If you would rather handle the change in direct deposits of your income and the direct debits of your bills yourself, we will provide you two letter templates to use, so you can inform both the payers and issuers of your bills of the change in accounts.

      BBVA will send the account change request on your behalf.

      Both payers and payees will be responsible for changing the direct deposit/debit accounts.

      If you choose the "bring income" or "bring bills" option, you can choose which income and direct debits (bills) you wish to bring to BBVA.

      However, if you choose the "bring your entire account" option, we have to bring all the deposits, direct debits (bills) and periodic transfers associated with that account.

      No, because your new BBVA account will have its own number. But this won't be a problem, because we'll let the payers and issuers of your bills know your new account number.

      • The account transfer service provides assistance to a customer who wishes to open a payment account with another payment service provider located in another Member State of the European Union.
      • The request is made through a form (see attached sample form), in which the account to be transferred and the destination account must be identified.
      • The transfer request must be signed by all the account holders.
      • These requests can only be started in a branch.
      • In this case, the source bank will provide a list of the standing transfer orders in force, the debits and the regular transfers incoming to the customer's payment account in the preceding thirteen months.
      • The delivery time for this information is 6 days.
      • The customer can request the cancellation of the source account and the transfer of the remaining balance to the destination account.

      Download the sample form for transferring accounts outside Spain

      1. Bank Moving Service
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