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    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

    The account with no fees or conditions

    • No direct deposits or debits, no minimum or maximum balance... NOTHING.
    • We'll switch over your deposits and debits for free with the Bank Moving Service.
    • You can control and mind your finances with the BBVA app.
    • More than a million people are already enjoying this free account.
    100% online in just 10 minutes. Only for new customers.
    Do you have a daughter or son between 14 and 17 years of age? Open a Children's Online Account
    An account with no fees, with your own card, an app suited to your age and even Bizum! Once you are a customer, you can open your account 100% online.
    More information

    The fee-free Online Account for two account holders includes:

    • An account with no fees

      No account administration or maintenance fees.

    • Aqua Debit Card

      No issue or maintenance fees, you can use it right away.

    • Two account holders

      You can open this account to share it with someone else.

    • Invite a Friend Plan

      Bring friends to BBVA and you can both earn money.

    And get up to €150 with the Invite a Friend Plan

    Do you want to get €15 for each friend you invite to BBVA (maximum 10 friends) and get €15 for each of them too?

    You just need to follow these steps:

    1. Become customers with the Fee-Free Online Account.
    2. Go to the private customer private in "My promotions" and share your code with friends and family.

    To get the reward, your friends will have to use your code when they become customers and make a purchase for more than €15 with their new BBVA card.

    Valid until 03/31/23.

    Become a customer
    See terms and conditions

    The online account with no fees or conditions

    • No account administration or maintenance fees (0% NIR 0% APR).
    • No issue or maintenance fee for the Aqua Debit Card.
    • No fees for debit cash withdrawals at more than 4,500 BBVA ATMs throughout Spain.
    • No fees for online transfers within the European Economic Area.
    • You don't need to direct deposit/debit your paycheck or bills to enjoy its benefits.

    100% secure payments with the Aqua Debit Card

    A physical and digital card that you can control with the BBVA app

    Shop online worry-free

    Your CVV code changes every time you make an online payment. This way, your money is protected against potential fraud.

    Manage your subscriptions

    Netflix, Amazon, Spotify... You can see where your card has been added and cancel the payment whenever you want.

    Limit the use of your card

    You can turn the card off and on if you can't find it, or limit its use online, in other countries...

    Track your payments in real time

    You'll get a notification whenever you use your card. If something unusual happens, you'll know right away.
    Add it to your phone and pay with it before it arrives
    Get the Aqua Más credit card with no fee.
    When you join, we will review if you can have the Aqua Más credit card with no issue or maintenance fee, in addition to your account and debit card.
    Discover the new Aqua Más Card

    An app designed to take care of your finances

    From easy procedures to the progress of your financial health.

    Save without even realizing it

    With savings rules to set aside part of your income or round off purchases.

    Connect other banks

    And check everything without exiting the app. You can also analyze your spending habits.

    Manage your day-to-day

    Create budgets, review your upcoming transactions and receive personalized ideas to control expenses.

    Get discounts

    Just for having the app, you will be able to save on trips, purchases and plans.

    • Appointment

      Request an appointment from bbva.es or the app.

    • Online cashier appointment

      And save time when you come to our branches.

    • Notifications

      Enable them to receive the notifications you need.

    • Bizum

      Send funds from phone to phone with Bizum

    And if you prefer to speak in person, drop by one of our 1800 branches. We'll be delighted to meet you and help you with whatever you need

    Want to change banks? We'll do it for you

    Become customers and request to switch. We'll transfer whatever you want from another bank
    • Do it 100% online, free and without talking to anyone.
    • We can transfer your deposits, direct debits and standing orders.
    • We'll also transfer the balance and ask that the other account be closed.

    How does it work?

    • The two-person account is a joint account that is only available for new customers who live in Spain. It can be opened 100% online through bbva.es and the BBVA app.

      Both holders can view the account activity and status from our website or on your mobile or tablet. You can also set your notifications to receive alerts for card transactions, deposits, etc.

    Charges and fees

    • In your Joint Account
      • €0 account maintenance, no fees and no conditions. 0% NIR 0% APR (calculated assuming a positive daily balance for one year).
      • €0 account administration service, no fees or conditions.
      • €0 for transfers at bbva.es, the BBVA app and ATMs.
      On your Aqua debit cards

      When you open this joint account, each holder gets a fee-free Aqua Debit Card.

      • Debit card issue and maintenance fee: €0 with no fees or conditions.
      • Fee for withdrawing cash on debit at ATMs abroad: 4.50% (minimum €3.50).
      • Fee for withdrawing cash on debit: €0 at BBVA ATMs in Spain.

      If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee.

      Tacit overdraft
      • Annual interest rate for authorized overdraft. 7.25% NIR.
      • Fee for authorized overdraft in the account: 4.50%. Minimum amount €15.
      • Overdraft adjustment expenses: €0 if below €18, €30 if over €18.

      The interest rate is calculated based on the maximum balance owed during the account settlement period. 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.

    How do I open a BBVA bank account?

    Watch the video

    If you are not BBVA customers, you can become customers with the Account for two account holders.

    During the registration process for new customers on digital channels, BBVA needs to process your biometric data (among other personal data) in order to verify your identity. If you do not want to register online, you can become a customer by going to a BBVA branch and taking out one of the products available on this channel.

    In order to use the BBVA app and get access to all its features, you need to enter your contact and login details (email, phone, DNI/NIE and password).

    Watch the video

    You can now use our video identification system with one of our advisers. It's free and your bank account will be open and operational within 5 minutes.

    Watch the video

    Fill out and confirm your personal details (full name, etc.) as they appear on your documentation (DNI/NIE), as well as your tax residence (where you are registered) and financial information.

    Watch the video

    Avoid paperwork and making unnecessary trips by signing the contracts for your new account with a code we will send you via SMS (free for you both). You will receive it on the cell phone number you provided in step 2. It's that easy.

    Watch the video
    Become a customer

    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.

    You can view a list of the most typical services associated with a payment account.

    Have you not yet found the one?

    That's fine...love at first sight is not for banks

    Let's take it step by step: use our app WITHOUT being a customer and, who knows, we may soon be out of the "friendzone".

    • 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

    Create user

    You might also be interested in

    • 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 €150 when you bring your friends to BBVA, and they can get €15 each.

    • 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.

      And get €150 gross for direct depositing your paycheck or pension of at least €800.

    • For personal use.
      • Cash deposits and withdrawals.
      • Direct debit payments and transfers.
      • For one or more account holders. 
      • Sign up in-branch.

      If you don't already have a similar account in Spain.  

    Be a BBVA customer.

    • At BBVA we want to help you with your day-to-day errands.
    • We are working to make your life a little easier with our digital solutions.
    • Our approach is based on transparency, clarity and responsibility.
    Joint Online Account
    Become a customer