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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.

    Choice Account

    The account where you choose the conditions to waive the fees

    We offer several options to waive the maintenance service fee for your account, and more advantages for your everyday banking.
    • No fee for debit cash withdrawals at more than 5,000 BBVA ATMs.
    • No fees for online transfers within the EEA.
    • No account administration fees.

    What are the fees?

    • The Account Maintenance Service may be subject to fees:

      • €0 during the first 4 months.
      • From the fifth month, it may be €0, €15 or €40 per quarter, depending on how you use your account and which BBVA products you have.

      Settlements are made quarterly on March 15, June 15, September 15 and December 15. That's why it's important to understand the conditions for not paying the fee.

      Check your fees

    Select your profile to find out the conditions of your account:

    More advantages for your everyday life

    • No issuance and maintenance fee for one credit card per holder.
    • No fees for issuing checks in euros and settling and trading domestic check deposits in euros.

    By complying with the income and payment requirements, or with any of the alternative conditions. in other words, having one of the specific savings products with an average monthly balance of more than €25,000, or owning more than 4,000 shares of BBVA.

    The features you want from your bank

    • Change banks without doing anything

      We'll handle everything for you for free, even the closing of your other account.

    • Improve your financial health

      We can help you manage your finances better to increase your savings.

    • Get paid when you need it

      Get paid when you want.

    • Send money with Bizum

      Pay and send money from mobile to mobile easily, quickly and securely.

    • Discover the new Aqua Card

      A card with no printed numbers and a dynamic CVV for enhanced security.

    • Do it all from the app

      Manage your Elección Account and your products from the app.

    Got it?

    If you want an account, it can be yours in under 10 minutes

    Open an account

    Would you like more information?

    It is important for you to know and understand the documents required to open this account. You can view them here:

    Elección Account PI: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

    FID Elección 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 here.

    Bringing your income and bills to BBVA is very easy

    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 from another bank. You decide what you want to transfer and BBVA will take care of everything.

    More information
    Open an account