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 Online Account + Repsol más Visa Debit Card

Your Fee-Free Online Account plus Repsol más Visa Debit Card pack

No management or maintenance fees.
the Repsol más Visa Debit Card has no annual issuance or maintenance fee the first year.
Annual debit card issue and maintenance fee from the second year: €28.

Discounts on fuel

Up to 7 cents/liter off at Repsol, Campsa and Petronor service stations.

Debit cash withdrawal without fees

At more than 6,000 BBVA ATMs in Spain.

No paycheck or bills

You do not need to have your paycheck or bills paid in to enjoy the benefits.

Online transfers

No fees for online transfers within the EEA (1).

How does it work?

What does it offer?

Gasoline and fuel consumption cost calculator

Find out online and free

Calculate your gas expenses and consumption for a trip at any time of year based on the kilometers traveled.

Charges and fees

  • In your account
    • €0 account maintenance service, no fees and no conditions (2).
    • €0 account administration service, no fees or conditions.
    • €0 transfers at bbva.es, the BBVA app and ATMs (1).
    On your Repsol más Visa Debit Card
    • Debit card issue and maintenance fee: €0 for the first year. €28 from the second year.
    • From the second year on, if you purchase more than 500 liters of fuel a year per card, the annual issue and maintenance fee for the card will be refunded by way of a fuel voucher after you register at repsolmas.es (maximum voucher amount is €45).
    • Fee for withdrawing cash on debit: €0 at BBVA ATMs in Spain. Note 1.
    • Fee for withdrawing cash on debit at ATMs abroad: 4.50% (€3.50 minimum).
    Tacit overdraft
    • Implicit overdraft annual interest rate: 7.25% NIR (3).
    • Fee for authorized overdraft in the account: 4.50%. Minimum amount €15. (3)
    • Overdraft adjustment fee: €0 if it is less than €18, €30 if it is more than €18.

How do I open a BBVA bank account?

In order to use the world's best banking App (according to the market research company Forrester) and access all its features, we need you to enter your contact and login details.

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.

If you prefer, you can also confirm your identity with an account number which you hold in another bank.

Fill in and confirm your personal details (first and last names), which must match those on your ID card (DNI/NIE), as well as your address for tax purposes (where you are registered) and financial data.
You can avoid paperwork and travel by signing the contracts for your new bank account with a code we will send you via text message (at no cost to you). You will receive it at the phone number you provided in step 1. It's that easy.

Switch over to BBVA, hassle free

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

  • Without having to go to a branch.
  • With no paperwork.
  • And without talking to your other bank.

And start enjoying all the advantages of being a BBVA customer.

Would you like more information?

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  • Enjoy these advantages with no fees or conditions.
    • €0 for administration and maintenance of the account.
    • €0 annual debit card fee.
    • And of course, there's no need to arrange for your paycheck or bills to be directly paid into or debited from your account.

    Only for new customers.

    No paperwork or travel. More than 500,000 customers are already enjoying this account.


  • For your paycheck or income.
    • €0 for administration and maintenance of the salary account.
    • €0 annual debit or credit card fee**.
    • With a personal adviser and management team in the BBVA app.

    Just for depositing with us your paycheck for more than €800, a pension or unemployment benefit for more than €300 or receiving transfers of at least €2,500/quarter.

  • If you are a student or you are in a university
    • €0 No account administration or maintenance fees.
    • €0 No debit card issue or maintenance fees.
    • 6,000 ATMs where you can take out cash free of charge.

    ISIC International Student Card free for one year, with thousands of discounts in 135 countries (only for new customers).

Be a BBVA customer.

  • At BBVA we want to help you with your day-to-day errands.
  • We are leaders in digital innovation working to make your life that bit easier.
  • Our approach is based on transparency, clarity and responsibility.

(1) Pay no fees at bbva.es, the BBVA app and ATMs on your transfers in euros, Swedish krona or Romanian Leu 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.

(2) 0.0% APR

(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.