You have different automatic savings rules: from saving part of your paycheck to accumulating cents by rounding up your shopping to the nearest euro.
On average, our customers save €110 a month with these rules.
Online Sin Comisiones Account + Ahorro Metas Account
The savings pack to make progress towards your goals
- You'll have two accounts and one card for €0: Fee-Free Online Account, Goals Savings Account and Aqua Debit Card.
- Now you can get up to €760 during the first year just by using your account, and if you bring your savings too, you'll get up to €1,060!
Enter this code when you open your account by July 22, 2026:
In just a few minutes, only for new customers.
Take up to €1,060, you decide how much to add
You decide what you want to do and how much to add. You don't need to do it all, you can use your account however you want.
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+€400 for bringing your paycheck
or pensions over €800, or self-employment contributions, and earn €33.33/month.
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+€120 for using your card
Pay with your Aqua Debit Card and earn up to €10/month.
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+€120 for using Bizum
We'll give you back up to €10 per month for paying or sending Bizum.
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+€120 for paying your bills.
Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.
and +€300 for switching your savings
If you keep a balance of €10,000 in the first year, you get €300 a year, that's €25 a month.
You will have your Online Account ready to use
We'll show you how to start using your account and card right away.
We'll bring over whatever you have in other banks free of charge.
The most comprehensive Bizum for instant use, with the option to split expenses.
With a dedicated support team ready to chat from the very first minute.
With your card, you will keep control wherever you go
Your card has a dynamic CVV that is generated with each purchase.
Turn the card off and on in the event of any unforeseen circumstances.
Save on fees abroad with the Pack Viajes, even on weekends.
You will receive a notification if we detect any unusual charges.
Now, travel lighter with your BBVA card
Forget about cash, pay in any currency up to €300 a month with no fees.
And if you’re under 30, get unlimited payments and fee-free cash withdrawals at ATMs worldwide, even on weekends.
How the savings pack works
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Keep the money you save in your Goals Account
This account acts like a piggy bank for your savings. You can deposit money with rules and internal transfers from your Online Account, by transfer from other accounts or from BBVA ATMs. And also, you can withdraw your savings whenever you want at no cost. -
Create up to 5 goals to achieve whatever you want
Do you want to do a course, take a trip or just save? Create your goal and choose a deadline to meet it. If you contribute money each month, it will be easier to reach.
This is your no fee pack, with Online Account and Goals Account
No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).
Aqua Card
The Online Account includes a debit card with no issuance and maintenance fee for each holder.
For transfers
From bbva.es, the BBVA app or ATMs within the European Economic Area.
For withdrawing cash
Withdraw cash on debit from the network of BBVA ATMs in Spain.
Open your account in a few easy steps
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Choose whether it's just for you or if you will share it with someone else.
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Enter your details, create a password, and sign with the SMS you receive.
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Download the BBVA app and log in with your password.
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To confirm your identity, take photos of yourself and your DNI /TIE.
Selected as the best bank in 2025
Awarded for Online Account and Salary Account
Do you want to view the account documentation?
It is available in the FAQ section
Would you like more information?
It is important for you to know and understand the documents we make available to you before opening this account. You can view them here:
- IP Online Account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.
- FID Online Account: information document about the fees applied for using the main services associated with the payment account.
- IP Goals Account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.
- You can view a list of the most representative services associated with a payment account.
Savings Pack
Become a BBVA customer