Checking accounts with no fees
With BBVA checking accounts, you don't pay fees for online transfers within the EEA or cash withdrawals on debit at BBVA ATMs
Join more than 1.5 million customers who have a checking account with no fees or conditions
Choose the checking account that's best for your everyday needs
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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, we will reimburse you for one of your favorite subscriptions for 6 months (up to €9.99/month) when you register as a customer and pay for it with your Aqua debit card. Offer valid until 06/30/2023. Cannot be combined with other offers.
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Between 0 and 11 years
- Online Account with no fees or conditions.
Between 12 and 17 years old.
- Online Account + Savings Goals Account with no fees or conditions.
- Aqua Debit Card with no administration or maintenance fees.
- App adapted to their age, with the option of Bizum.
To open this account, become a customer first. Once you're a customer, you'll be able to open the child's account from your app or private area.
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Save on fuel while traveling.
- €0 No account administration or maintenance fees.
- €0 The Repsol más Visa Debit Card has no 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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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.
Checking accounts for your paycheck
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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.
Plus, you could get up to €500 for becoming a customer with the salary account and bringing your friends to BBVA. They get another €250.
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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.
Plus, you could get up to €500 for becoming a customer with the salary account and bringing your friends to BBVA. They get another €250.
Aqua Card. Greater security, more control
- 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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Bienvenida Account for self-employed workers and 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.
Zero fees for the first 12 months, extendable indefinitely depending on your company's turnover.
Cuenta de Pago Básica
Would you like more information?
Haven't fallen in love with a checking account yet?
- 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
- 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.
Remember that BBVA helps you improve your financial health
Discover the BBVA app
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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.