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      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.

      Fee-free Young Savers Account

      Make the most of your trip this summer

      • Enjoy unlimited data on your phone with Holafly's eSIM.
      • Buy and withdraw money with no fees, unlimited amounts and all over the world. Even on weekends!
      • And get your Aqua Máxima debit account and card for €0, with a 10% refund on subscriptions such as Netflix, DAZN, and many others.

      Limited edition only for the first 15,000 registrations under 35 years old.

      Become a BBVA customer

      Your freedom has no limits, no fees

      With the Aqua Máxima Debit Card, you can travel around the world without worrying about fees. Wherever you go, you can use it at no cost and without a limit.

      • Withdraw cash at ATMs, including on weekends.
      • All purchases in non-euro currencies.

      And when you turn 35? You will continue to enjoy all the advantages!

      Become a BBVA customer
      How to save on your travels

      Travelling without losing connection? Like

      Sharing what you experience when you are away is part of what you love the most. Now, with your account, you also get the Holafly's eSIM, to talk and connect from your cell phone with unlimited data and without worrying about roaming.

      How it works

      Become a BBVA customer

      It won't cost you anything to start enjoying yourself

      • Account with no administration or maintenance fees. 0% NIR 0% APR.

      • Aqua Máxima Debit Card, no fees inside and outside of Spain.

      • Unlimited data with Holafly's eSIM, to connect from your phone.

      • Just for having the app, get 10% on Nike, 25% on Google Store, or 50% on tickets.

      Become a BBVA customer

      You will have a card with maximum benefits, literally

      There are no printed numbers, and the CVV changes with each purchase. Secure with your data and your money.

      You get 10% back on your Glovo Prime, DAZN, Netflix, Spotify, Amazon Prime and HBO Max subscriptions.

      If we detect an unusual charge, you will receive a notification to deactivate your card.

      Use it in other countries and look at your app to see how much you've saved in fees.

      Become a BBVA customer

      To organize your money better

      Split expenses via Bizum with your friends and family, even if they are not BBVA customers.

      Control your expenses and set savings rules, such as rounding up purchases.

      Activate up to 3 virtual Aqua Prepaid cards at no cost, for online purchases by anyone you choose.

      Manage your subscriptions via the app. And if you're no longer using something, pause the payment.

      Become a BBVA customer

      If your plans change, we'll be there

      Do you have a salary? We'll bring it free of charge, so you can make the most of your account.

      If you decide to move out and find your own place, you can use the BBVA Valora calculators to make the best decisions for your new home.

      For a course, a car... We can set aside part of your income each month for you to save effortlessly.

      And if you share an apartment, you can manage shared expenses more efficiently with a free Second Account.

      Become a BBVA customer

      This is your Youth Account, for fee-free travel

      Fee-free Young Savers Account

      No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).

      Aqua Máxima Debit Card

      The account includes a debit card with no issue and maintenance fees, anywhere in the world.

      For transfers

      From bbva.es, the BBVA app or ATMs within the European Economic Area.

      For withdrawing cash

      Unlimited withdrawals with the card in Spain and the rest of the world.

      Become a BBVA customer

      Open 100% online and in just a few steps

      • Choose whether the account is for you alone or you will share it with someone else.

      • Take photos of your ID card/Residence card and confirm your identity by video call.

      • Enter your details and create your login password.

      • Sign the contract with the SMS you receive.

      Become a BBVA customer

      Any questions?

      Account documentation

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

      • IP Online Account and installment payment service: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.
      • FID Online Account: 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.
      • IP Aqua Debit Card: document with the pre-contractual information detailing the conditions of the debit card that includes the account.

      Authorized overdraft fees

      If you have an overdraft on your account, such as when a bill is due and your balance is insufficient, the following fees will apply:

      • Annual interest rate for authorized overdraft. 7.25% NIR.
      • Fee for authorized overdraft in the account: 4.50% (minimum amount €15).

      The APR resulting from the application of borrowing interest and the overdraft fee is legally restricted for "consumers" and cannot be more than 2.5 times higher than the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.

      At BBVA, we offer checking accounts for students and employees aged 18 to 35:

      • The student bank account would be the Fee-Free Young Person's Online Account; No account administration or maintenance fee and no debit card issue or maintenance fee.
      • The bank account for employees would be the Fee-Free Nómina para Jóvenes Account; No account maintenance and administration fees, no debit card issuing and maintenance fees, although certain requirements must be met, i.e. having a salary of €800 or more.

      With both accounts, you can make transfers between your accounts in the same bank and transfers to other banks.

      • No fees or conditions, and no need to direct deposit/debit a paycheck or bills.
      • Limited edition of the Aqua Maxima Debit Card for €0.
      • Free Premium Travel Pack: you will save fees when using your card anywhere in the world, with unlimited amounts, including weekends.
      • Holafly eSIM with unlimited data to talk and connect from your mobile abroad, valid in 160 destinations.
      • Discounts for your trips such as 20% in Ruralka, 15% in Iryo, 15% in car hire, 5% in agencies and much more.
      • 10% cashback on subscriptions: Netflix, Spotify, Disney Plus, PlayStation Plus, DAZN, Glovo Prime, Amazon Prime and HBO Max.
      • Payments on your cell phone with Google Pay and Apple Pay.
      • You can activate the Savings Rules service.
      • You can say goodbye to paying fees for your account, your card or for making transfers.
      • You'll be able to use over 4,500 ATMs throughout Spain for free.
      • You'll have Bizum inside the BBVA app.
      • And our chatbot is available 24/7.

       

      Take advantage and pay for them with the Aqua Maxima Debit Card, because we give you back up to €100 of your subscriptions every year.

      Yes, the advantages are forever. When you turn 35, your Young Person's Online Account and Aqua Maxima Card will remain fee-free. You will continue to enjoy the free Premium Travel Pack and the other benefits associated with your account and card.

      The Travel Pack is a service associated with the debit card that you can activate and deactivate whenever you want from your app. 

      With the Travel Pack you can use your card outside Spain and pay no fees for:

      • Withdrawing cash outside Spain.
      • Paying for purchases in a currency other than the euro.

      You have 3 plans to choose from, depending on how you want to use your card abroad:

      • Basic Plan: for €2.99/month you save the fees for 1 ATM cash withdrawal per month and for the first €1,000 of purchases in a currency other than the euro each month.
      • Standard Plan: for €7.99/month you save the fees for 3 cash withdrawals at ATMs each month and all purchases in currencies other than the euro, with no limit on the amount!
      • Premium Plan: for €14.99/month you save the fees for all cash withdrawals at ATMs and all purchases in currencies other than the euro.

      With the Fee-Free Joven Account and the Aqua Maxima Debit Card you will have the Premium Plan free forever.

      If you are between 18 and 35 years old, you will get the Premium Plan for free on your Aqua Maxima Debit Card and you can:

      • Pay in currencies other than the euro with no fees, no limit on payments and no limit on the amount. When you use your card in shops or restaurants, choose the country's currency on the POS terminal. When the payment is made, we will refund the currency exchange fee (this may not happen immediately). 
      • Withdraw cash at ATMs without fees, with unlimited withdrawals and amounts, both in euros and in other currencies. If the ATM asks you to apply the exchange rate, choose “no” so BBVA can do it. Once the transaction is complete, we will refund the currency exchange and withdrawal fees. The ATM may charge you other fees that do not depend on BBVA, meaning we cannot refund them.

      It is an international eSIM card with unlimited data for high-speed mobile connections in 160 countries. Here are the steps to get it:

      • Open your Fee-Free Joven account with the Aqua Maxima Debit Card.
      • You will receive an email with a code to activate the Holafly eSIM for free.
      • Go to https://business.holafly.com/bbva or go directly to this address from the email we sent you to redeem the code before 01/30/2026.

      The eSIM is single-use and valid for a single destination. You can use it for a maximum of 10 consecutive days.

      When you become a customer, you will also take out the following:

      • The Fee-free Online Account for your day-to-day.
      • Installment payment service.
      • Aqua Maxima Debit Card associated with the account.
      • Optional Aqua Más credit card, in case you want it and can take it out.

      The products and services in this package cannot be purchased separately. But you can cancel any of them early at no cost or penalty, and continue enjoying the rest.

      If you have any questions or you want to cancel any of these products, you can go to a BBVA branch or call Contact BBVA: 900 102 801

      The Online Account already has the Bizum service activated so you can instantly receive or send money with your cell phone, as if you were sending a message.

      • If you don't have Bizum, it will be activated with BBVA and you'll be able to receive and send money from the outset.
      • If you have it in another bank, you will only be able to send money from BBVA. If you also want to receive money via Bizum at BBVA, you can instantly change it from the app.

      Bizum is a tool that is integrated into the BBVA app, with which you can send and receive money just by knowing the other person's cell phone number. Decide how much to send, enter their phone number and they'll have the money in their account instantly. And if someone else wants to pay you, with Bizum it's just as easy. Just keep in mind that you can send between €0.50 and €1,000 per transaction, limited to €2,000 a day and €5,000 a month. 

      In order to open this bank account you must be at least 18 years old. It's also a bank account with no administration or maintenance fee, and no debit card issuance or maintenance fee.

      If you ever have a problem with your smartphone, with BBVA you can rest easy knowing that the app is completely secure. 

      First, remember that access to your BBVA app will be protected by a login password that only you know, or by your biometrics (fingerprint or facial recognition). In addition, in order to do any transaction, two-factor authentication is always required, and involves a one-time password that is sent to your smartphone. 

      To make in-person payments with your smartphone, you will need to enter the PIN that only you know when the amount is over €50 (the cumulative daily maximum for this type of payment is €150, after which you will have to enter the PIN again).

      If your smartphone is lost or stolen, we recommend requesting a new password by calling Contact BBVA at 900 102 801, and if there are any problems changing it, you can request that the user be blocked. Finally, we also recommend reporting the incident to your phone company.

      Yes, this Young Person's Fee-Free Online Account has no requirements. You can open it if you are studying in college, provided you are at least 18 years old.

      You can also use this bank account to collect your study grant or direct debit your tuition payment.

      Nothing will change if you are no longer in college. You will still have your Online Account with no fees or conditions, with exclusive advantages for young people.

      Your Online Account will continue to be fee-free and will maintain the same conditions.

      You will also continue to have the Premium Travel Pack free, forever.

      Of course. If you ever need it, you can go to any branch in the BBVA network and get help from one of our advisers.

      And if you prefer, you can open your bank account, a Fee-Free Young Person's Account, at a BBVA branch with the same advantages as the Fee-Free Young Person's Online Account, where you also won't pay:

      • No account administration or maintenance fee
      • A debit card issuance or maintenance fee

      If you are still a minor, the Children's Fee-Free Account is the most suitable account for you, as it is a bank account specially designed for minors.

      At bbva.es, the BBVA app, and at ATMs you do not pay commissions on your standard and immediate transfers in euros, Swedish krona or Romanian leu (ron) within the scope of the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Transfers using magnetic media, Fund Movement Orders (FMOs) and Value Day transfers not included. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

      When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The 14-day 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.

      Young Person's Online Account
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