Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      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.

      Children's Online account

      A minor's account for children and teens, with no fees or conditions

      • For children between 0 and 17 years of age.
      • More autonomy for them, more peace of mind for you.
      • From age 14 and up, it includes an additional account for their savings, a debit card and a BBVA app with the option of Bizum.

      To open this account, you must first become a customer.

      Become a customer
      More information
      Once you're a customer, you'll be able to open the minor's account from your app or private area.

      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

      • Between 0 and 13

        All their income in one place

        • Free-free Online Account.

      • Between 14 and 17

        You can show them how to pay and manage their own money

        • Free-free Online Account.
        • Goals Savings Account with no fees.
        • Aqua Debit Card.
        • App adapted to their age, with the option of Bizum.

      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.

      No fees, no conditions

      You don't have to direct deposit/debit your paycheck or bills or keep a minimum balance to enjoy its advantages.
      • No account administration or maintenance fees (0% NIR 0% APR).
      • No issue or maintenance fees for the Aqua Debit Card
      • No fees for withdrawing cash on debit at over 4,500 BBVA ATMs in Spain.
      • No fees for online transfers within the European Economic Area.
      Become a customer
      More information

      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.

      To open this Online Account for Minors, become a customer first

      Once you're a customer, you'll be able to open it from your app or private area

      Become a customer

      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.

      If you are not a BBVA customer:
      1. Become a customer with the Online Account with no Fees or Conditions.
      2. Once you're a customer, you will be able to open the minor's account from the app or website:
        • Log into the app with your password > in the bottom menu, click on Contract > Accounts > Online Account for Minors.
        • Log into your private area of bbva.es with your password > in the side menu, click Accounts > Online Account for Minors.
      3. Since it is an online process, you will need photos of the minor's DNI/TIE and the family book or birth certificate.
      4. Follow the steps in the process to open the account.
      5. Once you open the account, you'll be able to give them access to the app so they can start using it.

      If you are already a BBVA customer, follow the steps starting from point 2.

      Yes, any scholarship or financial aid for children can be direct deposited into this account. In fact, the minor must have an account in order to apply for a grant or financial aid.

      If you want to apply for a grant for a minor, it is better to open their account beforehand. You can do it easily online.

      Yes, you will be able to see them in real time as soon as you register the minor, but the minor's accounts are by default hidden in your private area. To see them, you will have to do this from your own app by following these steps:

      1. Open the menu and select settings.
      2. Choose "configure products".

      You will be able to see the account of the minor hidden there and make it visible (view) or visible and switched on (view and operation).

      You must be the legal guardian of a minor and a BBVA customer

      The minimum age is 0 to 17, and the minimum age for a debit card is 14.

      Yes, at a branch. The cardholder is the child, so only he/she can take out cash at an ATM.

      Yes, you can log into the account and see the activity.

      Yes, you can make internal and external 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). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.
      Fee-Free Account for Children
      Become a customer
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      1. Accounts
      2. Bank account for kids - Savings account for children
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