When are settlements made?

Settlements are made quarterly : on March 15, June 15, September 15 and December 15.

Do I have to pay fees for my card?

You won't pay card issue or maintenance fees (which are detailed at the end of the section) for each account holder provided you meet the income and payment conditions or any of the alternative conditions ; in other words, if you have one of the specific savings products with an average monthly balance of more than €25,000, or if you own more than 4,000 shares of BBVA. If one account holder has several cards, they won't pay fees on the card with the highest annual fee, unless the annual fee for another card was already waived during the current calendar year. And if they have the same fee, they won't pay for the most recent card. The cards for which issuance and maintenance fees may be waived are: Young Person's Ahora BBVA, Young Person's Después BBVA, Ahora Blue BBVA, Después Blue BBVA, Business Credit, Business Debit, Business Electrón, Business Agrocoop BBVA, Classic Agrocoop, Ahora BBVA, Después BBVA, Ábaco, Tarjeta 7, Business CX, Aqua Credit, Aqua Debit.

You won't pay anything for checks issued in euros or for settling or trading national checks in euros provided you meet the income and payment conditions or any of the alternative conditions ; in other words, if you have one of the specific savings products with an average monthly balance of more than €25,000, or if you own more than 4,000 shares of BBVA.

Is there a fee for online transfers?

On bbva.es, the BBVA app and at ATMs, 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). Does not include those made on magnetic media, Fund Movement Orders (OMFs in Spanish), Same-Day Value transfers and instant transfers. For transfers that are not included, the specified supplementary expenses and transfer fees apply.

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

If one account holder satisfies the conditions, the fees will be waived for every account holder . For example, if only one account holder has a product with BBVA, that will suffice for the two account holders to satisfy that condition.

Do I have the right to withdraw?

When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The period begins on the day the account contract is signed. The right of withdrawal may be exercised via the bbva.es website and the BBVA mobile app (in both cases from the private area, through the "I want to" option in the personal accounts menu). This right can also be exercised in a branch or by calling Contact BBVA.

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

Paycheck or periodic deposit 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 required to open 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

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

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

Would you like more information?