What is a bank or checking account?

A checking account is a financial account that is used to carry out the various day-to-day banking operations, such as depositing money, paying for a purchase or withdrawing cash at ATMs. Other banking products such as cards or insurance may be associated with a bank account.

How does a checking account work?

Once you open an account, the funds you have entrusted to BBVA in a deposit will be registered in the account designated for you. You can withdraw these funds whenever you wish. The financial transactions that occur in your checking account over a certain period will be reported to you in a bank statement, called an account status. This document will show the balance of your accounts and loans to let you know how much you have.

What types of bank accounts are there?

BBVA has several types of checking accounts: Checking accounts, such as the Cuenta Online sin Comisiones . Accounts for your salary, such as the No-Fee Salary Account . Accounts for young people, such as the Young Person's Online Account and the Young Person's Salary Account .

What are the requirements for opening and maintaining a checking account?

There are two requirements you must meet in order to open a checking account: Be 18 years or older. Be a resident of Spain (and thus have a DNI or TIE card number).

Which bank account is right for me?

It always depends on your needs and goals. You can use it to share expenses, save or manage your income and make payments more efficiently. Some bank accounts focus on one or more of these goals.

How to open a checking account?

You have to satisfy a series of requirements to become a BBVA customer and open an online account, whether through BBVA.es (on a computer, tablet, or mobile) or the BBVA app (for iOS and Android). More information

What are the differences between a savings account and a checking account?

A checking account is the most common type of account. It can be used for a wide range of banking operations, from making transfers to third parties to checking your banking activity. You can also direct deposit income and direct debit bills. In most cases, there is a debit card associated with it. A savings account is a type of bank account that offers small returns to customers on the savings deposited in the account. Unlike a checking account, income and bills cannot be direct deposited/debited, and there is no card associated with it to make payments. More information

Can I add a second holder to my bank account?

Yes, it's possible. You can open a joint account or add a second holder to your bank account. We explain how to do it here .

Is there a fee for online transfers?

On bbva.es, the BBVA app and at ATMs, pay no fees for transfers in euros, Swedish krona or Romanian Leu (ron) within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

What happens if I have an overdraft?

Overdraft fees are as follows: Annual interest rate for authorized overdraft. 7.25% NIR. Salary account overdraft fee: 4.50% (minimum amount €15). Account overdraft fee: €0 if not over €18. From €18.01 up, the management fee is €30. The APR resulting from the application of borrowing interest and the overdraft fee is legally restricted for "consumers" and cannot be more than 2.5 times higher than the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.

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.

Looking for a fee-free bank account?

The important thing about an account is that it has no fees or conditions, but also that it makes your day-to-day life easier and helps you move forward. That is what our accounts do.

You can start with one of our checking accounts

Not a customer? Join the more than 1.5 million people who do not pay fees

The account that doesn't ask you for anything, for whatever you want.

€0 for administration and maintenance of the account, without conditions.

€0 for issuance and maintenance of the Aqua Debit Card.

And you can get up to €350 with the Amigo Plan. Get €35 for every friend you invite to BBVA and they'll also get €35 each. Valid until 12/31/2023.
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Become a BBVA customer
The account that gives you advantages for bringing your income to BBVA.

€0 for administration and maintenance of the account, without conditions.

€0 for issuance and maintenance of the Aqua Debit Card.

You can get €250 if you ask someone from BBVA to invite you and bring your paycheck.
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Become a BBVA customer
The account from 0 to 17 years old so that they can start managing their money.

€0 for administration and maintenance of the account, without conditions.

€0 for issuance and maintenance of the Aqua Debit Card.

Adapted app and optional Bizum from 12 years old.

Would you like to get an iPhone SE3®? Become a customer and open this account for your child aged 12 to 17. Only for the first 3,000 families!

Through 1/31/2024. Apple ® does not collaborate in this promotion. iPhone SE3® is a registered trademark of Apple Inc.
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Become a BBVA customer
The account has benefits for people over 59 years old.

€0 for account administration and maintenance.

€0 for issuance and maintenance of the Aqua Debit Card.

A team of advisers to accompany you.
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Become a BBVA customer
A pack with a day-to-day account and another to save.

€0 for administration and maintenance of the account, without conditions.

€0 for issuance and maintenance of the Aqua Debit Card.

The BBVA app has automatic rules that make saving money effortless.
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Become a BBVA customer
One account with a card to save on refueling.

€0 for administration and maintenance of the account, without conditions.

€0 per issue and maintenance of the Repsol Más Visa Debit CARD.

5% discount on stores, lubricants, washes and Blue + Repsol, Campsa and Petronor filling stations.
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Become a BBVA customer

Need a different type of account?

If you have a business, you can start at BBVA easily and with zero fees on regular services.

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If you have a passport or red card, you can open an account to withdraw cash, pay bills, make deposits and transfers.

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We'll make it easy for you from day one

Begin step by step

Our app will provide you with step-by-step instructions to unlock your account's full potential.
Your bank on your cell phone

To make arrangements, organize expenses, save and add products.
We bring your account

If you have an account with another bank, we can transfer everything to BBVA and ask to close the other account.
A team at your side

To speak one on one with an expert, from the app or at our branches.