Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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    Experiences

    • Bank Moving Service

      Bank Moving Service

      Switch to BBVA and we'll handle all the paperwork for you

    • Try out BBVA without being a customer

      Try out BBVA without being a customer

      Discover the features of the BBVA app without opening an account.

    • Bizum

      Bizum

      Send and receive money from your phone instantly. As easy as sending a message.

    • My everyday operations

      My everyday operations

      Track your income and expenses, organized by categories and subcategories.

    • Mobile payment

      Mobile payment

      Leave your wallet at home and pay for everything with your cell phone.

    • BBVA Valora

      BBVA Valora

      We'll help you evaluate the price of a car, a home and much more.

    Try out BBVA without being a customer

    We invite you to get to know it
    I'm interested
    Invite a Friend Plan Branches and ATMs BBVA Newsroom Try out BBVA without being a customer
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      ADVERTISING
      MM/DD/YYYY
      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.
      Become a customer
      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.
      Become a customer

      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?

      • 1 Select the number of account holders
      • 2 Your contact and access details
      • 3 How do you want to identify yourselves?
      • 4 Fill in your personal and financial details
      • 5 Sign the contracts

      Select the number of account holders

      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.

      Your contact and access details

      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

      How do you want to identify yourselves?

      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 in your personal and financial details

      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

      Sign the contracts

      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.

      If you are both 18 or older, live in Spain, and are not BBVA customers, you can open and enjoy all the benefits of this account.

      We recommend that both account holders be present during the registration process with their respective documentation ready: DNI/NIE and your mobile phone to sign your contracts via SMS.

      No, the Joint Account can only be opened through bbva.es or on the BBVA App.

      No, you do not need to have direct debit of your paycheck or direct billing to avoid paying fees.

      With the Joint Account, you'll both be able to enjoy all the benefits the bank has to offer; the services and features provided in our application, our website and, of course, all the services offered by our branches, ATMs and BBVA advisers.

      The following fees are charged for withdrawing cash on debit at ATMs:

      • At BBVA ATMs in Spain: €0.
      • ATMs other than BBVA ATMs: the same amount as the fee that the ATM owner charges BBVA. The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn.
      • ATMs abroad: 4.50% (minimum €3,5).

      The Joint Account has the following overdraft fees:

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

      At bbva.es, the BBVA app and ATMs pay no fees for transfers in euros, Swedish krona or Romanian leu (ron) within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, urgent transfers, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

      No, the Joint Account does not include a checkbook or a passbook.

      When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The period begins on the day the account contract is signed.

      The right of withdrawal may be exercised via the bbva.es website and the BBVA mobile app (in both cases from the private area, through the "I want to" option in the personal accounts menu). This right can also be exercised in a branch or by calling Contact BBVA.

      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

      • Young Person's Online Account with no fees

        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.

        More information
        Become a customer
      • Va Contigo Account

        BBVA Va Contigo Salary Account

        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.

        More information
        Become a customer
      • Cuenta de Pago Básica

        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.  

        More information

      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
      Offer valid during current month
      1. Accounts
      2. Joint Account
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