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.

Fee-Free Online Account

No fees and up to €760 for you!

  • You will have your account and card for €0, with no conditions.
  • And you get up to €760 during the first year just for opening and using your No-Fee Online Account.

Enter this code when you open your account before 04/07/2026:

Copy code PLAN760

In just a few minutes, only for new customers.

Extra money that comes in very handy

You choose what you want to do and how much to add

  • +€120 with Bizum

    You can send money or make payments with Bizum and earn up to €10/month.

  • +€120 with the card

    Pay with your Aqua Debit Card and earn up to €10/month.

  • +€120 for bills

    Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.

  • +€400 for a paycheck

    Direct deposit a paycheck of at least €800 and earn €33.33/month.

It's typical of BBVA to charge you nothing to join

Account with no fees and no need to bring over your paycheck. 0% NIR 0% APR.

Fee-free Aqua Debit Card, ready to use.

Immediate online transfers and cash withdrawals at no cost.

To have everything ready to go

We'll show you how to start using your account and card right away.

We'll bring over whatever you have in other banks and your direct debits, free of charge.

You have the most complete Bizum service at no cost.

If you have any questions, you can ask our team or virtual assistant.

To let you pay securely...

Your cards have a dynamic CVV that is generated with each purchase.

If someone's looking at your screen, discreet mode is activated to protect your data.

You can pay faster from the app's home screen, with your face or fingerprint.

If we detect an unusual charge to your account, we'll notify you immediately.

... and with the freedom to choose

Immediately

If you pay with the Aqua Debit Card, the charge will be deducted instantly from your account.

Later

When you open an account, you can get the Aqua Más credit card with no fees and 2% cashback on your shopping.

When you want

With the service to pay expenses in installments if you have it in your account. Now, the first payment is free.

Now travel lighter with your BBVA card

Forget about cash, pay up to €300 a month in any currency with no fees.

And if you’re under 30, get unlimited payments and fee-free cash withdrawals at ATMs worldwide, even on weekends.

With your Aqua Más, you pay 2% less

When you open your account you will see if you have the Aqua Plus credit card available. Do you have it and want to keep it? We'll give you 2% back on the purchases you make with it in the first year, with no limit. Only for new customers who open the account and sign up for the card at the time of registration, digitally.

Because it's typical of BBVA to move forward with you

Financial Coach to give your finances a workout and achieve your goals.

Second fee-free account to organize your common expenses.

BBVA Valora to find out whether it's better to buy or rent.

Children's account to keep the whole family connected.

And all this with no fees or conditions

No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).

Aqua Card

The 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 at more than 4,500 ATMs and 1,800 BBVA branches in Spain.

Open your account in a few steps

  • Choose to open an account with two account holders.

  • Take photos of your ID cards/Residence cards and confirm your identities by video call.

  • Enter your details and create your login password.

  • Sign the contracts via SMS.

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Selected as the best bank in 2025

Awarded for Online Account and Salary Account

Get more from your bank

Up to €660 for referring friends? Great plan

Start thinking about what to do with the €660 you could earn by referring your friends. And each of them could get up to €450 for joining.

Do you want to view the account documentation?

It's available in the FAQ section

Would you like more information?

Account documentation

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:

Authorized overdraft fees

If you have an overdraft on your account, such as when a bill is due and your balance is insufficient, the following fees will apply:

  • Annual interest rate for authorized overdraft. 7.25% NIR.
  • Fee for authorized overdraft in the account: 4.50% (minimum amount €15).

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.

Joint Online Account
Become BBVA customers