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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.

    Young Person's Online Account

    Join the more than 720,000 young people who don't pay fees

    Opening a bank account for young people has its advantages

    If you're already employed, open a Young Person's Va Contigo Salary Account and get €100 gross

    Just for direct depositing a paycheck for over €800 a month.
    Go to Young Person's Va Contigo Salary Account

    Young Person's Online Account

    For students and university students

    • No account administration or maintenance fees. 0% APR.
    • No obligations, no direct deposits or debits.
    • Over 4,500 BBVA ATMs where you can take out cash on debit free of charge.
    • And the best tools to help you control your money.
    Become a customer

    Do you have to make a payment and don't have money in your account?

    This service offers the peace of mind you need to deal with the unexpected when you don't have sufficient balance in your salary 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.

     

    Aqua Debit Card

    A card with no printed numbers to help you track all your expenses

    • €0 No issue or maintenance fees.
    • Pay with your smartphone with BBVA Mobile Pay, Google Pay, Samsung Pay or Apple Pay.
    • Complete peace of mind, with notifications and ON/OFF control from bbva.es or the BBVA app.
    • With a dynamic CVV code that changes every time you use the card to protect your online purchases.
    More information

    International Student Identity Card (ISIC)

    Try it free for the first year when you open an Online Account. You can save on all your plans.

    With the ISIC card, you can enjoy new deals every season:

    • Free months of HBO, Disney+, Amazon Prime, Spotify and Adobe.
    • Promos at Telepizza, Burger King, KFC, VIPS, Domino's, etc.
    • If you're traveling, you can get discounts at Booking, Renfe, Cabify and other ridesharing brands.
    • And permanent discounts on admission to movies, museums, theaters and monuments.

    If you're between 18 and 29, you can get the ISIC card with your account. You decide.

    See more

    And the best tools so you can track your money at all times

    Send and receive money through your smartphone (with Bizum) or by chatting (with Cashup).

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

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

    With our automatic saving rules, you'll achieve your targets by sending the money to a Goals account.

    What are you waiting for? Join the more than 720,000 young people who don't pay fees.

    You don't need to have a paycheck or direct bill any expenses

    • You'll get a year free and all the discounts of the ISIC student card.
    • You'll be able to withdraw money free of charge at over 4,500 BBVA ATMs.
    • And Bizum integrated into the BBVA app.

    How do I open a BBVA bank account?

    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.

    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

    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 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

    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
    Become a customer

    With the Bank Switching Service, we will handle everything for you

    A simple and free way to transfer whatever you choose. With no paperwork and without having to go to a branch.

    • Your regular transfers to other banks.
    • Your recurring income (paycheck, pension) and bills (direct debits).
    • Your balance, closing the other account.

    And you don't have to talk to your other bank. You choose the ones you want to transfer to BBVA, and we'll take care of the rest.

    More information

    Have you not yet found the one?

    That's fine...love at first sight is not 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.
    • 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 is important for you to know and understand the documents required to open this account. 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.

    Young Person's Online Account
    Become a customer