Advantages
Only for new customers.
Open your fee-free joint two-person account.
The new card with no numbers to track all your expenses
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.
And much more!
A simple and free way to transfer whatever you choose. With no paperwork and without having to go to a branch.
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.
You can open your joint account directly via the website or the BBVA app.
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.
When you open this joint account, each holder gets an Aqua Debit Card.
If you have more questions about the card, you can get answers here.
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.
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.
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).
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.
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.
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.
We want you to know and understand the documents required to open 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.
Plus, if you're between 18 and 29, the International ISIC card is free for the first year, and you renew it only if you want to.
Just for depositing with us your paycheck for more than €800, a pension or unemployment benefit for more than €300 or receiving transfers of at least €2,500/quarter.
If you don't already have a similar account in Spain.
