Checking accounts with no fees
Join the more than 1 million customers who have a checking account with no fees and conditions
Choose the checking account that's best for your everyday needs
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Fee-Free Online Account
Enjoy these advantages with no fees or conditions.- €0 for administration and maintenance of the account.
- €0 annual fee for the Aqua Debit Card.
- And of course, there's no need to arrange for your paycheck or bills to be directly paid into or debited from your account.
And now, with the Plan Invita a un Amigo, you could get up to €350 when you bring your friends to BBVA, and they can get €15 each.
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Young Person's Online Account with no fees
Enjoy these advantages with no fees or conditions- €0 No account administration or maintenance fees.
- €0 No issue or maintenance fees for the Aqua Debit Card.
- 4,500 ATMs where you can take out cash on debit free of charge.
And now, with the Plan Invita a un Amigo, you could get up to €350 when you bring your friends to BBVA, and they can get €15 each.
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Fee-Free Online Account + Repsol más Visa Debit Card
Save on fuel while traveling.
- €0 No account administration or maintenance fees.
- €0 The Repsol más Visa Debit Card has no annual issuance or maintenance fee the first year.
- Save up to 7 cents/liter on fuel at Repsol, Campsa and Petronor gas stations.
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Savings Pack: Online Account + Goals Account
Save your way, without even realizing it.
- €0 account administration or maintenance fee for the Online Account.
- €0 account administration or maintenance fee for the Goals Account.
- €0 annual fee for the Aqua Debit Card.
And you can also create automatic savings rules.
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Fee-Free Account for Children
For kids ages 0 to 17.
- €0 No account administration or maintenance fees.
- €0 No annual fee on the Aqua Debit Card for teens.
- Parental control from the BBVA app.
- 4,500 ATMs for you to take out cash on debit with no fees.
Only available at BBVA branches.
Checking accounts for your paycheck
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BBVA Va Contigo Salary Account
For your paycheck or income.No fees just for direct depositing your paycheck for more than €800, a pension or unemployment benefit for more than €300 or receiving transfers of at least €2,500/quarter:- €0 for administration and maintenance of the salary account.
- €0 annual fee for the Aqua Debit Card.
- With a Team of Advisers at your disposal in the BBVA app.
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Nómina Va Contigo para Jóvenes Account
If you are working or you receive unemployment
If you direct deposit a paycheck of over €800, unemployment benefits of over €300 or you receive income of at least €2,500 a quarter, you will be eligible for:
- €0 No account administration or maintenance fees.
- €0 No issue or maintenance fees for the Aqua Debit or Credit Card.
- A Team of Advisers to help you with whatever you need.
And you'll get €150 gross for direct depositing a paycheck of at least €800.
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Senior Va Contigo Account
For people over 59
No fees just for direct depositing your pension for more than €300, your paycheck for more than €800 or receiving transfers of at least €2,500/quarter.
- No account administration or maintenance fees.
- No annual fee for the Aqua Debit Card.
- With a team of advisers to help you with whatever you need.
- Preferential service in branches and by telephone for people over 65 years of age.
And now get a free Kindle with your Senior Va Contigo Account. For a limited time only!
Aqua Card. Greater security, more control
A new card with no numbers to control all your expenses
- More secure. The card number and CVV code are no longer printed on it. Only you can access them through the app.
- Dynamic CVV. The CVV security code changes automatically, meaning it's not always the same. This way you will be more protected when you shop online.
- More control. Temporarily turn your cards on or off whenever you want. This way, you can keep them secure if you can't find them or don't use them.
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Accounts for the self-employed or companies
New bank, zero fees on the usual services.
Whether you are self-employed, an SME or a company, a new bank has many advantages.
No fees for the first 12 months for new registrations of self-employed workers or companies with a turnover of more than 5 million euros.
Would you like more information?
Cuenta de Pago Básica
Haven't fallen in love with a checking account yet?
It doesn't matter. Let's be friends and get to know each other: try our app WITHOUT being a customer
- Keep tabs on all your banks from a single place.
- Manage your income and spending and improve your budgeting.
- Make better decisions if you are planning to buy, sell or rent your house, with BBVA Valora.
- Now enjoy all the Learning Together content with exclusive features: you can choose your favourite theme and watch the most popular videos.
- And no need to apply for any products or be a customer.
Try it free and register as a user in just a minute.
Bring your deposits and bills for free, or your entire account, without having to go to a branch and no paperwork
With the Bank Transfer Service, you decide what you want to bring to BBVA:
- Your regular transfers to other banks.
- Your recurring income (paycheck, pension) and bills (direct debits).
- Your balance, closing the other account.
We'll take care of transferring what you choose and, if you wish, ask the other bank to close your account. And start enjoying all the advantages of being a BBVA customer.
Discover the BBVA app
Europe's leading mobile banking provider for the fifth year running, according to Forrester consultants
You might also be interested in
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Account overdraft facility
The peace of mind you need to deal with unforeseen circumstances. With your authorized limit, we'll cover some of the charges if you have an overdraft.
More tools
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IBAN Code calculator
Calculate the IBAN CODE of any bank account.
Calculate the IBAN code of any account, instantly, with the BBVA calculator. -
Salary Calculator
Do you want to know how much you'll get paid every month?
Quickly calculate your gross and net salary, the corresponding withholdings or the amount of your paychecks (monthly and extra). -
Gasoline Calculator
How much do you spend on gasoline?
Calculate your gas expenses and consumption online for free for a trip at any time of the year based on the kilometers traveled.
Transfers in BBVA Bank
(*) At bbva.es there is no fee for transfers made in Euros, Swedish Krona, or Romanian Leu 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 instant transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.