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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.

    Joint Account

    Become a customer

    The joint account with no fees or conditions.

    €0
    No management or maintenance fees.
    €0
    no issue or maintenance fee for the Aqua Debit Card.
    Enjoy these advantages with no conditions.

    Advantages

    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.

    Aqua Card. Greater security, more control

    A new card with no numbers to control 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

    Now, the BBVA app learns from you to give you ideas that can help you improve your financial health.

    • 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 on your upcoming account activity and don't get caught off guard by an unexpected bill or expense.
    • 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 your account activity.
    • And much more!

    Switch over to BBVA, hassle free

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

    • Without having to go to a branch.
    • With no paperwork.
    • And without talking to your other bank.

    A free and simple way to transfer your income and bills, or an entire account, from another bank. You decide what you want to transfer and BBVA will take care of everything.

    More information

    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?

    • Two Aqua Debit Cards

      Free

      When you open this account, each holder gets an Aqua Debit Card.

      If you have more questions about the card, you can get answers here.

    Charges and fees

    • In your Joint Account
      • €0 account maintenance service, no fees and no conditions (0% APR).
      • €0 account administration service, no fees or conditions.
      • €0 for transfers at bbva.es, the BBVA app and ATMs.
      In your 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.

    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.
    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 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.
    Become a customer

    Would you like more information?

    You might also be interested in

    • If you are a student or you are in a university
      • €0 No account administration or maintenance fees.
      • €0 No issue or maintenance fees for the Aqua Debit Card.
      • 6,000 ATMs where you can take out cash on debit free of charge.

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

    • For your paycheck or income.
      • €0 for administration and maintenance of the salary account.
      • €0 annual fee for the Aqua Debit Card.
      • 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're leaders in digital innovation and we're working to make your life a little bit easier.
    • Our approach is based on transparency, clarity and responsibility.
    Joint Online Account
    Become a customer