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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    • Bank Moving Service

      Bank Moving Service

      Switch to BBVA and we'll handle all the paperwork for you

    • Try out BBVA without being a customer

      Try out BBVA without being a customer

      Discover the features of the BBVA app without opening an account.

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      Bizum

      Send and receive money from your phone instantly. As easy as sending a message.

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      Track your income and expenses, organized by categories and subcategories.

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      Leave your wallet at home and pay for everything with your cell phone.

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      ADVERTISING
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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.

      Illustration of several young people studying

      Young Person's Online Account with no fees

      The account that adapts to you, not the other way around

      • No hidden fees or obligations.
      • It includes the Aqua Debit Card.

      And now, with the Amigo Plan, you can get up to €350 for bringing your friends to BBVA. You'll get €35 for every friend you invite and they'll get €15 each.

      Become a customer
      Only for new customers.

      You get it all in one account

      • Fee-Free Online Account

        No fees or conditions, and no need to direct deposit/debit a paycheck or bills.
        More information
      • Illustration of the BBVA Aqua debit card

        Aqua Debit Card

        No card issue or maintenance fees, and a new level of security.
        More information
      • Save on your trips

        Activate the Travel Pack and pay without fees in other countries.
        More information
      • Discounts on the app

        Pay less at your favorite sites (Booking, Samsung, Adidas, Telepizza, etc.)
        More information
      Become a customer

      Y llévate hasta 350 € con el Plan Amigo

      Do you want to get €35 for yourself and €15 for every friend you invite to BBVA (maximum 10 friends)?

      You just need to follow these steps:

      1. Become a customer by opening a Fee-Free Young Person's Online Account.
      2. Go to the private customer private in "My promotions" and share your code with friends and family.

      To get the reward, your friends will have to use your code when they become customers and make a purchase for more than €15 with their new BBVA card.

      Valid until 04/03/2023.

      Become a customer
      See terms and conditions

      What do you need to open your account?

      Just be between 18 and 29 years old, nothing else. Plus, when you turn 30, you will still have no fees or obligations.
      Become a customer

      No hidden fees or obligations

      Use your Young Person's account however you like, for whatever you want. You're the boss.
      • €0 No account administration or maintenance fees. (0% NIR 0% APR).
      • €0 No issuance or maintenance fee for the Aqua Debit Card.
      • No fees for debit cash withdrawals at more than 4,500 BBVA ATMs.
      • No fees for online transfers within the European Economic Area.
      • You don't have to direct deposit/debit your paycheck or bills or keep a minimum balance.

      Are you working? Switch to BBVA and get €150 gross

      Simply open a Nómina Va Contigo para Jóvenes Account and direct deposit a paycheck of over €800.
      See Salary Account

      Super secure Aqua Debit Card

      Track your card, your data and your payments from the BBVA app
      • More secure: only you can see the card details in the app. In addition, your dynamic CVV changes every time you pay.
      • More convenient: pay with it through your phone, receive notifications in real time and turn it off if you can't find it.
      • Sustainable: it's made with 85.5% recycled PVC.
      • You can also have the Aqua Más credit card with no issue or maintenance fee.

      When you join, we will review if you can have the Aqua Más credit card with no issue or maintenance fee, in addition to your account and debit card.

      Discover the new Aqua Más Card

      No fees when you travel to other countries

      Sign up for the Travel Pack, use your card without fear and find out what you can save
      • No fees when you use your card to pay in any currency.
      • No fees for withdrawing cash at ATMs abroad (whether in euros or other currencies).
      • Without changing your card or bank. You can also see how much you have saved on your trips.
      • Sign up and cancel it whenever you want. You'll only pay for those months when you use it, like a subscription.
      See plans

      The BBVA app is constantly evolving

      Discover our features for controlling and getting the most out of your money
      • Get discounts

        Just for having the BBVA app

        Save when you shop at your favorite sites (Booking, Samsung, Adidas, Springfield, Telepizza, Ginos, etc.)
        More information
      • Get paid or pay with Bizum

        Instant transfers

        A small gesture to change the world. Select your cause and send money to those most in need.
        More information
      • Manage your card

        All your expenses in one place

        See the sites where your card is linked (Netflix, Amazon, Google Pay, etc.). And if you're no longer using something, pause the payment.
        More information
      • Withdraw cash from ATMs

        Money on your cell phone without a card

        Send money from your smartphone to anyone (including yourself), who can then withdraw it from an ATM without a card.
        More information
      • Save without realising

        With the BBVA savings mode

        Set automatic rules to set aside part of your money or accumulate cents on your purchases.
        More information
      • Apple Pay & Google Pay

        Your card is on your phone

        Pay wherever you want with your smartphone, and say goodbye to hassles if you lose or forget the card.
        More information

      What happens if you have to make a payment and don't have money in your account?

      The overdraft service is convenient for unexpected situations when you don't have sufficient funds in your account.

      The overdraft fees for the Young Person's Online Account are as follows:

      • Account overdraft fee: €0 if not over €18. Over €18.01, the management fee is €30.
      • Annual interest rate for authorized overdraft. 7.25% (NIR).
      • Salary account overdraft fee: 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.

       

      Illustration of a concerned woman

      Open your young person's account in under 10 minutes

      Or do it from the BBVA app, it's even easier

      Become a customer

      What are you waiting for? Join the more than one million customers

      who are already enjoying an Online Account with no fees or conditions
      Group of young people lying in the garden

      How can I open a BBVA Young Person's Fee-Free Online Account?

      • 1 Choose the number of account holders
      • 2 Establish your contact and access details
      • 3 Choose how you want to identify yourself
      • 4 Fill in your personal and financial details
      • 5 Sign the contracts

      Choose the number of account holders

      Watch the video

      If you are not a BBVA customer, you can now become one and include a second account holder in your account.

      During the registration process for new customers on digital channels, BBVA needs to process your biometric data (among other personal data) in order to verify your identity. If you do not want to register online, you can become a customer by going to a BBVA branch and taking out one of the products available on this channel.

      Establish your contact and access details

      In order to use the app and get access to all its features, you need to enter your contact and login details (email, phone, DNI/NIE and password).

      Watch the video

      Choose how you want to identify yourself

      You can now use our video identification system to contact one of our advisers. It's free and your bank account will be open and operational within 5 minutes.

      Watch the video

      Fill in your personal and financial details

      Fill in and confirm your personal details (name, surnames, etc.) that coincide with those of your ID documentation (DNI/NIE) as well as those of your domicile for tax purposes (where you are registered).

      Watch the video

      Sign the contracts

      You can avoid paperwork and traveling by signing the contracts of your new bank with a code we will send you via text message (free for you). You will receive it on the mobile phone number you provided in step 2. It's that easy.

      Watch the video

      Have you not yet found the one?

      That's normal... ...love at first sight wasn't made for banks.

      Let's take it step by step: use our app WITHOUT being a customer and, who knows, we may soon be out of the "friendzone".

      • Keep tabs on all your banks from a single place.
      • Manage your income and spending and improve your budgeting.
      • Make better decisions if you are planning to buy, sell or rent your house, with BBVA Valora.
      • Now enjoy all the Learning Together content with exclusive features: you can choose your favourite theme and watch the most popular videos.
      • And no need to apply for any products or be a customer.

      Try it free and register as a user in just a minute.

      Create user

      Any questions?

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

      IP Online Account: 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.

      These accounts are designed for young people between 18 and 29, and offer special advantages.

      At BBVA, we offer checking accounts for students and employees:

      • 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 Va Contigo para Jóvenes Account; No account maintenance or administration fee, No debit card issuance or maintenance fee, although it does have certain requirements, namely have a salary of €800 or more, and you can also get €100 gross paid into your account.

      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.
      • 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.

       

      In order to open a Young Person's Online Account, you must be between 18 and 29 years old.

      It's also a bank account with no administration or maintenance fee, and no debit card issuance or maintenance fee

      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 €500 per operation, limited to €1,200 a day and €5,000 a month. 

      In order to open a Young Person's Online Account, you must be between 18 and 29 years old. It's also a bank account with no administration or maintenance fee, and no debit card issuance or maintenance fee. When you turn 30, your account becomes the Fee-Free Online Account, where you will not pay any fees either.

      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 between 18 and 29 years old.

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

      If you are young and are still studying at university or in higher education, the Young Person's Fee-Free Online Account is the most suitable for you, as it is not necessary to have your salary paid into your account</span>. If you have got your first job, the Young Person's Va Contigo Salary Account is the most suitable for you, since it requires the direct debiting of a salary of more than €800.

      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.

      When you turn 30, you will continue to have your Online Account with no fees or conditions, but you will no longer have exclusive advantages for young people.

      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 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, urgent transfers, 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.

      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.

      Young Person's Online Account
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