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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

    • More than a million customers are already enjoying this account.
    • And now, with the Plan Invita a un Amigo, you could get up to €350 when you bring your friends to BBVA, and they can get €15 each.
    See terms and conditions

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

    • Fee-Free Online Account

      No account administration or maintenance fees.

    • Aqua Debit Card

      No issuance and maintenance fee for the debit card for each account holder.

    • No terms and conditions

      No need to direct debit your salary or bills, nor have a minimum balance. ZERO

    • Invite a Friend Plan

      Bring friends to BBVA and you can both earn money.

    And get up to €350 with the Invite a Friend Plan

    Do you want to get €35 for each friend you invite to BBVA (maximum 10 friends) and they can get €15 each 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 10/31/22.

    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 do not need to have your paycheck or bills paid in to enjoy the benefits.

    Aqua Card. Greater security, more control

    The new card with no numbers to track all your expenses

    • 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.

    Improve your financial health

    Take control of your money and receive personalized ideas through the BBVA app, so you can start saving where you didn't know you could.

    • Create savings rules, schedule periodic contributions or round off your purchases to save almost without realizing it.
    • Organize your expenses by category to find out how you're spending your money. You can create budgets to track its progress.
    • Receive notifications and know in advance how your monthly expenses will vary, and what transactions or charges you can expect to see in your account in the next few days.
    • Add your home's appraised value to your assets, see its associated expenses and find out how to save on bills.

    With the BBVA app, too

    • Turn your cards on and off.
    • Withdraw cash from BBVA ATMs using your mobile.
    • Use Bizum to send money instantly from cellphone to cellphone without account numbers.
    • Get instant notifications on the activity in your joint two-person account.

    And much more!

    With the Bank Switching Service, we will handle everything for you

    A simple and free way to transfer whatever you choose. With no paperwork and without having to go to a branch.

    • Your regular transfers to other banks.
    • Your recurring income (paycheck, pension) and bills (direct debits).
    • Your balance, closing the other account.

    And you don't have to talk to your other bank. You choose the ones you want to transfer to BBVA, and we'll take care of the rest.

    More information

    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
      • 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.

    Do you need two cards?

    • Two Aqua Debit Cards

      No fees

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

      If you would like more information about the card, click here.

    What does it offer?

    • Two account holders

      You can open your joint account directly via the website or the BBVA app.

       

    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.

    You might also be interested in

    • For people under 30 years old. 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.
      • Get FREE training with BBVA Learning Experience.
    • 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