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      Become a customer

      Bring your paycheck to BBVA

      We will take care of direct depositing your paycheck, pension or income

      Tell us what income you want to bring and we'll do it for you at no cost.

      • 100% digital process.
      • Without talking to your payer.
      • And you could get up to €760 the first year if, in addition to direct depositing your salary or pension, you direct debit your bills, use your card and use 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

      It is that easy to make the change to BBVA

      • Make your request online, from your computer or cell phone, without paperwork

      • You can bring your paycheck, pension, unemployment benefit and other income.

      • We'll contact the company that issues the bill to handle the change.

      • It is 100% secure and you can follow the process in detail, from your private area.

      Bring your paycheck or income

      1. Open your BBVA account and apply from your private area or the app.
      2. Choose paycheck or recurring income as your income type.
      3. Enter the contact details of your payers (your company, your tenants, etc.).
      4. Sign your application for changing your paycheck or income.
      5. We will contact your payers to change the direct deposit of the income. 

      If you have a pension, we will also arrange the direct debit

      1. Open your BBVA account and apply from your private area or the app.
      2. Choose the type of income you want to direct deposit, in this case the Social Security pension.
      3. Indicate the account number where you receive the pension.
      4. Sign your pension change request.
      5. We will send your request to Social Security so they can change the direct deposit of your pension.
      6. If all goes well, you will start receiving your pension in your BBVA account on the 25th of the following month.

      If you're receiving unemployment benefits,

      The government requires that the recipient himself/herself manage the direct debit, so you will need to request the change through SEPE.

      Follow the transfer of your income closely

      • You can view the status of your request in the personal area of the app.

      • When the deposit arrives in your account, we will notify you.

      • If we need more information, we will let you know right away.

      • You can call us at 91 919 01 41 to resolve any queries.

      If you want to bring more than your paycheck or pension, you can also

      transfer everything you have in another bank in one go: deposits and bills (debits), transfers and even the balance. You can also request the closure of the other account.

      Remember that you could get up to €760 the first year if, in addition to direct depositing your salary or pension, you direct debit your bills, use your card and use Bizum.

      Switch to BBVA

      We have already handled more than 100,000 applications.

      You can also come to BBVA through a simple process.

      Switch to BBVA

      Would you like more information?

      Yes, to bring your income to BBVA you have to follow these steps:

      1. Open a Commission-Free Online Account or a Commission-Free Payroll Account (this account sometimes includes a promotion if you bring your payroll or pension). You can easily do it online.
      2. Once you have your account, we will send you an email to bring the income you want. You can also make your request from your private area or from the BBVA app.

      • If you want to bring your salary or income, you need to enter the name and email of your payers (your company, your tenants, etc.).
      • If you want to bring a Social Security pension, you need to enter the IBAN of the account where you receive your pension.

      • If it is a paycheck or a recurring income, it depends on the time it takes for your payer to process it. 
      • If it is a Social Security pension, the entire process takes between 20-25 days from the time we send your application, which is usually the 1st of the month. Once the direct debit is set up, you will receive your pension on the 25th of each month.

      BBVA cannot change unemployment benefits.

      The government requires that the recipient himself/herself manage the change of account, so you need to request it through the SEPE. We'll tell you how to do this.

      If you receive non-contributory Social Security pensions or pensions issued by other organizations such as Muface, Mugeju or Isfas, you need to contact the corresponding organization to communicate the change of account in person.

      To bring your income, BBVA carries out the following steps:

      • Communicate the change of account to your payers

      BBVA sends them your request and they are in charge of making the change of accounts. If you prefer to inform them of the change personally, we will provide you with the necessary documents.

      • Process the change of general pension accounts with Social Security.

      BBVA sends your request to the General Treasury of the Social Security (TGSS) and informs you if it accepts or rejects it. The TGSS also manages the change of the pension account you have in your name.

      Of course, you can request the direct debit of your income at any BBVA branch. Remember that if you are not a customer you will have to open your account first.
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