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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 6,000 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 6,000 BBVA ATMs.
    • And Bizum integrated into the BBVA app.

    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

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

    Not convinced yet? Then try the BBVA app even if you're not a customer and you'll see

    We invite you to discover the features BBVA offers so you can bank from your phone

    Try the BBVA app completely free of charge:

    • No need to apply for any products or be a customer.
    • You'll be able to track your finances from one place, and see all your accounts and products from your other banks.
    • And make transfers right from the app.
    I'm interested

    Got it?

    If you want an account, it can be yours in under 10 minutes with our online help

    Become a customer

    Young Person's Online Account
    Become a customer