Young Person's Online 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 workers:

• The student bank account would be the Fee-Free Young Person's Online Account; No account maintenance or administration fee, no debit card issuance or maintenance fee, plus get the International Student Identity Card (ISIC) free for the first year
  
• The bank account for workers would be the Fee-Free Va Contigo Salary Account for Young People; 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.

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

You just need to be between 18 and 29 years old and validate your email address with BBVA. 

To validate it from bbva.es or the BBVA app, you have to go into your profile from the private area, and to do so from a BBVA ATM, you have to identify yourself with your card and go to the Settings/Email section.

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.

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

The Young Person's Online Account doesn't have any fees:

• €0 account maintenance service, no fees and no conditions. (1)
• €0 account administration service, no fees or conditions.
• €0 on transfers at bbva.es, the BBVA app and ATMs. (2)

Only if the account is overdrawn are you subject to the following fees:

• Account overdraft fees: 4.50% of the overdraft amount (minimum €15). Calculated based on the maximum balance owed during the account settlement period. (3)
• Annual interest rate for authorized overdraft. 7.25% NIR (3)
• Account overdraft fee: the processing fee is €0 if the overdraft does not exceed €18. From €18.01, the processing fee is €30.

(1) APR: 00.0 %.

(2) At bbva.es, the BBVA app and ATMs, you 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.

(3) Calculated based on the maximum balance owed during the account settlement period. 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.

Note 1: ​If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee.

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 the list of the most representative services associated with a payment account here.