Have one direct deposit

To satisfy this condition, you need to receive at least €600 a month in any of these options:

• Cash transfers and deposits.
• Deposit of checks, commercial documents and trade credits.
• Remittance payment.
• Farm payment orders. Income from factoring or reverse factoring.
• Income from POS terminal.
• Payment from a BBVA Personal or Employee Pension Plan.

You must satisfy this requirement in at least 3 of the 4 calendar months preceding each monthly review.

Make 2 of these payments

To satisfy this condition, you need to make two of these payments:

• Monthly social security or professional association payments of €175 or more in at least 2 of the 4 calendar months preceding each monthly review.
• Monthly paycheck payment of at least €600 in at least 2 of the 4 calendar months preceding each monthly review.
• Monthly tax payment of at least €100 in at least 1 of the 3 calendar months preceding each monthly review.
• Pay 5 direct debit charges during the last 4 calendar months prior to the monthly review.
• Make 7 purchases with the BBVA credit card, direct debited to the account, in the 4 calendar months preceding each monthly review. Keep in mind that the review will be done when the charge is posted to the credit card, which does not have to match the date of the purchase.

Have a product with BBVA

To satisfy this condition, you need to have at least one of these products:

• An active loan with up-to-date payments in any of the 3 calendar months preceding each monthly review.
• An active mortgage with up-to-date payments in any of the 3 calendar months preceding each monthly review.
• Life, Death, Health, Housing, Car or Business insurance policy sold by BBVA, purchased by at least one account holder and active in one of the 3 calendar months preceding each monthly review. Mini-insurance and, in general, Payment Protection Insurance products are not eligible.
• BBVA credit card, direct debited to the account with a minimum expense of €200 (for purchases of any amount) in the 4 calendar months preceding each monthly review. Keep in mind that the review will be done when the charge is posted to the credit card, which does not have to match the date of the purchase.
•  One of these savings products with an average monthly balance of over €5,000:
  • Investment Funds, ETFs, SICAVs (Open-Ended Investment Companies not included), Pension Plans, Unit Link: net asset value.
  • - BBVA ISSPs, BBVA Europlazo, BBVA Annuities, BBVA Guaranteed Annuities, BBVA Variable Annuities, BBVA Deferred Annuities, BBVA Guaranteed Benefit Plan Annuities and BBVA Accumulated Guaranteed Benefit Plan: balance after tax withholding.

Employment Pension Plans are not eligible.

These financial products must be in effect in at least 2 of the 4 calendar months preceding each monthly review. In other words, if the review is in May, we will take into account the months of December, January, February and March.