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.

Joint Account

Become a customer

The joint account with no fees or conditions.

No management or maintenance fees.
no issue or maintenance for debit cards.
Enjoy these advantages with no conditions.


Only for new customers.

Two account holders

Open your fee-free joint account.


No bills

You do not need to have direct billing to avoid paying fees.

Online transfers*

No fees for your online transfers within the EEA.

Cash withdrawal on debit

No fees for debit cash withdrawals at more than 6,000 BBVA ATMs throughout Spain.

With the BBVA app, too

World leader in mobile banking

  • Save effortlessly by activating automatic rules to manage your money with Set Up Your Account.
  • With BBVA Bconomy, you can check your financial health, optimize and track your expenses in detail, improve your ability to save and much more.
  • If you're looking for a home or you already have one, BBVA Valora helps you determine how much it's worth so you can make better decisions.
  • Use Bizum to send money instantly from cellphone to cellphone without account numbers.
  • And much more!

What does it offer?

  • Two account holders

    You can open an Account for two account holders directly via the website or the BBVA App.


How does it work?

  • The joint account 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 your account entries and account statement from our website or on your cell phone or tablet. You can also set your notifications to receive alerts for card transactions, deposits, etc.

Do you need two cards?

Charges and fees

  • In your Joint Account
    • €0 account maintenance service, no fees and no conditions (1).
    • €0 account administration service, no fees or conditions.
    • €0 transfers at bbva.es, the BBVA App and ATMs (2).
    In your debit cards
    • Debit card issue and maintenance fee: €0 with no fees or conditions.
    • Fee for withdrawing cash on debit: €0 at BBVA ATMs in Spain. Note 1.
    • Fee for withdrawing cash on debit at ATMs abroad: 4.50% (minimum €3.5)
    Tacit overdraft
    • Annual interest rate for authorized overdraft. 7.25% NIR. (3)
    • Fee for authorized overdraft in the account: 4.50%. Minimum amount €15. (3)
    • Overdraft adjustment expenses: €0 if it is less than €18, €30 if it is more than €18.

How do I open a BBVA bank account?

If you are not BBVA customers, you can become customers with the Account for two account holders.
To allow you to use the world's best banking App (according to the market research company Forrester) and access all its features, we need you to enter your contact details and passwords (email, phone number, ID number 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 operative within 5 minutes.

If you prefer, you can also confirm your identity with an account number you hold in another bank.


Fill in and confirm your personal details (name, surnames, etc.) as they appear on your ID (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 of your new bank with a code we send you via SMS (free for you). You will receive it on the cell phone number you provided in step 2. It's that easy.

Would you like more information?

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  • If you are a student or you are in a university
    • €0 No account administration or maintenance fees    
    • €0 No debit card issue or maintenance fees 
    • 6,000 ATMs where you can take out cash free of charge

    ISIC International Student Card free for one year, with thousands of discounts in 135 countries (only for new customers).

  • For your paycheck or income.
    • €0 for administration and maintenance of the salary account.
    • €0 annual debit or credit card fee**.
    • With a personal adviser and management team in the BBVA app.

    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.

  • 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 leaders in digital innovation working to make your life that bit easier.
  • Our approach is based on transparency, clarity and responsibility.


(1) APR: 00.0%.

(2) At bbva.es, the BBVA app and ATMs, you 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.

(3) 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.

Note 1: ​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.

Joint Online Account Become a customer