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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.

    An account for children with great advantages for you

    • In full control

      You can monitor and manage their transactions from the app.

    • No fees

      €0 No administration and maintenance fee for the Online Account.

    • No terms and conditions

      No need for direct deposits or debits or to keep a minimum balance

    You will also see how the account grows with them

    Your money and theirs will be under control

    An account for your child that you control

    As their representative, you decide how to manage it. They can put all their income (grants, gifts, savings) in one place while you teach them how to manage their money.

     Plus, if they're 14 or older, they'll have their own card with parental control, meaning you will receive a notification whenever they use it, and for Bizum transactions too.

    And once they turn 14, they can have more autonomy if you want

    They will have their savings in an additional account

    You can make regular deposits in the Goals Savings Account.
    • Only you can withdraw and manage the money.
    • They will have their savings in a secure place.
    • They can achieve their goals in the future: studies, travel, car...

    They'll have their own Aqua Debit Card

    A card with spending limits that can be turned on and off.
    • Your daughter or son will gain autonomy, because they will have a card to pay at the movies, shop online or take out cash at BBVA ATMs.
    • And the pre-set spending limits will give you peace of mind. Plus, since it is associated with the account, you'll be able to track their spending at all times. You'll get real-time alerts for each transaction they make

    They'll also be able to manage their money and use Bizum with the BBVA app

    We have tailored the app to their age. If they're between 14 and 17, with their mobile they'll be able to:
    • Track their income and expenses in real time.
    • Send and receive money instantly with Bizum, only if you allow it.
    • Pay with their phone through Google Pay or Apple Pay.
    • Turn off their card if it's lost or misplaced.
    • Learn to manage their money from scratch with exclusive videos.

    And you'll be able to monitor it all from the app

    Review their expenses and teach them how to take care of their money. That gives you peace of mind, right?
    • Track what they spend in real time through the alerts you'll get every time they make a transaction.
    • Send them money with Bizum if something unforeseen happens, or if they're away from home and you're not around
    • Schedule their allowance with a regular transfer. In addition to not having to remember, you will prevent them from carrying cash on them.
    • Give them access to the BBVA app, so that they generate their password and start managing their money with their cell phone.

    And once they turn 18, they'll continue to enjoy all the advantages

    At this age, they'll have control of their online account with no fees or conditions. That's why this account grows with them.

    With tips to get them started, in their own language

    In the Your money from scratch section of the app, they will gradually learn to manage their money and how the financial world works. How? With short videos, the type they like most.

    Learning together "To my teenage self"

    Learning together "To my teenage self"

    • Episode 1. To My Teenage Self: Generations. David Trueba, filmmaker and writer
    • Episode 2. To My Teenage Self: Love. Elsa Punset, philosopher and writer
    • Episode 3. To My Teenage Self: Friendship. David Pastor Vico, philosopher and professor
    • Episode 4. To My Teenage Self: Freedom. Gregorio Luri, philosopher and professor
    • Episode 5. To My Teenage Self: Fear. José Antonio Marina, philosopher
    • Episode 6. To My Teenage Self: Harassment. Elsa Punset
    • Episode 7. To My Teenage Self: Happiness. Irene Villa
    • Episode 9: Questions. Full Version. With Eduardo Sáenz de Cabezón
    • Episode 1: The meaning of life. Full Version. With Jon Sistiaga
    • Episode 2: Mental health. Full Version. With Lucía Galán
    • Episode 3: Sustainability. Full Version. With Sebastián Álvaro
    • Episode 4: Joy. Full Version. With Álex Rovira
    • Episode 5: Self-esteem. Full Version. With Silvia Congost
    • Episode 6: The future. Full Version. With Juan Luis Arsuaga
    • Episode 7: Grandparents. Full Version. With Carmen Guaita
    • Episode 8: Music. Full Version. With Ángel Carmona
    • Episode 9: The value of the word. Full Version. With Espido Freire

    Any questions?

    It's important that you read and understand the documents we make available to you before opening the Fee-Free Account for Minors, with 0% NIR and 0% APR, calculated assuming a daily positive balance for one year. You can view them here:

    IP Fee-Free Account for Children: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

    FID Fee-Free Account for Children: information document about the fees applied for using the main services associated with the payment account.

    You can view a list of the most representative services associated with a payment account.