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.

Cuenta Elección

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:

Individuals

Self-employed

How can you avoid paying fees?

The account maintenance service has flexible fees depending on whether you satisfy certain deposit and payment conditions in your Cuenta Elección:

€0 a quarter 0% NIR/0% APR with one deposit + one of the payments + one product at BBVA.

€15 a quarter (€60 a year) 0% NIR/-1.99% APR* with one deposit + one of the payments.

€40 a quarter (€160 a year) 0% NIR/-5.23% APR* in all other cases.

*APRs calculated assuming a constant daily balance of €3,000 for one year.

You must have at least one option in each section.

DIRECT DEPOSITS

Monthly paycheck or regular income by means of transfers or checks of at least €800.

Pension, unemployment benefit or BBVA Individual Pension Plan for at least €300.

RECURRING PAYMENTS

Bills: 5 charges in 4 months.

Credit card: 7 purchases in 4 months.

PRODUCT WITH BBVA

Loan

Mortgage

Insurance

Specific savings products worth at least €5,000

Credit card: €200 of spending in 4 months

See details
Do you want to check your fees?

Specify how you will use your account, check your fees and find out how to lower them.

Check my fees
Is there another way to avoid paying fees?

If you don't meet the above conditions, you can still have the fee waived just by satisfying one of these two conditions:

If you have an investment fund, pension plan or guaranteed annuity for more than €25,000.

If you own over 4,000 shares of BBVA.

See details
How can you avoid paying fees?

The account maintenance service has flexible fees depending on whether you satisfy certain deposit and payment conditions in your Cuenta Elección:

€0 a quarter 0% NIR/0% APR with one deposit + two of the payments + one product at BBVA.

€15 a quarter (€60 a year) 0% NIR/-1.99% APR* with one deposit + one of the payments.

€40 a quarter (€160 a year) 0% NIR/-5.23% APR* in all other cases.

*APRs calculated assuming a constant daily balance of €3,000 for one year.

You must have at least one of the options in the deposits and product sections, two in the case of payments.

DIRECT DEPOSITS

At least €600 in:

Cash or check deposits.

Direct deposited remittances.

Agricultural payment order.

Billing through a POS terminal.

Pension plan.

TWO RECURRING PAYMENTS

€175 in social security or professional association payments.

Paycheck for €600.

€100 on taxes

Bills: 5 charges in 4 months.

Credit card: 7 purchases in 4 months.

PRODUCT WITH BBVA

Loan

Mortgage

Insurance

Specific savings products worth at least €5,000

Credit card: €200 of spending in 4 months

See details
Do you want to check your fees?

Specify how you will use your account, check your fees and find out how to lower them.

Check my fees
Is there another way to avoid paying fees?

If you don't meet the above conditions, you can still have the fee waived just by satisfying one of these two conditions:

If you have an investment fund, pension plan or guaranteed annuity for more than €25,000.

If you own over 4,000 shares of BBVA.

See details

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 Cuenta Elección 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 we make available to you before opening this account. You can view them here:

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

FID Cuenta Elección: information document about the fees applied for using the main services associated with the payment account.

You can view the list of the most representative services for 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

Try out BBVA without being a customer

Cuenta Elección

The account where you choose the conditions to waive the fees

What are the fees?

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

How can you avoid paying fees?

Do you want to check your fees?

Is there another way to avoid paying fees?

How can you avoid paying fees?

Do you want to check your fees?

Is there another way to avoid paying fees?

More advantages for your everyday life

The features you want from your bank

Change banks without doing anything

Improve your financial health

Get paid when you need it

Send money with Bizum

Discover the new Aqua Card

Do it all from the app

Got it?

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

Would you like more information?

Bringing your income and bills to BBVA is very easy

Cuenta Elección

The account where you choose the conditions to waive the fees

Do you have a child between 0 and 17 years old? Open an Online Account for Minors for them

What are the fees?

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

How can you avoid paying fees?

Do you want to check your fees?

Is there another way to avoid paying fees?

How can you avoid paying fees?

Do you want to check your fees?

Is there another way to avoid paying fees?

More advantages for your everyday life

The features you want from your bank

Change banks without doing anything

Improve your financial health

Get paid when you need it

Send money with Bizum

Discover the new Aqua Card

Do it all from the app

Got it?

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

Would you like more information?

Cuenta Elección Documentation

When are settlements made?

Do I have to pay fees for my card?

Do checks have fees?

Is there a fee for online transfers?

What happens if I share the account and only one account holder satisfies the conditions?

Do I have the right to withdraw?

Bringing your income and bills to BBVA is very easy