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    Suggestions

      Experiences

      • Bizum

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

      • My everyday operations

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

      • Mobile payment

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

      • BBVA Valora

        We'll help you evaluate the price of a car, a home and much more.

      Download the BBVA app

      Manage your accounts and cards, sign, contact your adviser, directly debit bills. Everything from your cell phone.
      More information
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      ADVERTISING
      MM/DD/YYYY
      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.

      Fee-Free Online Account + Repsol más Visa Debit Card

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

      €0
      No management or maintenance fees.
      €0
      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: €35.
      Become a customer

      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?

      • The Fee-Free Online Account and Repsol más Visa Debit Card Pack is only available to new customers who reside in Spain. It will take under 10 minutes.

        When you apply for the pack, the account holder will receive a Repsol más Visa Debit Card. This debit card has no issue or maintenance fees the first year.

        Save on fuel
        • Immediate discount of 3 cents/liter on Efitec 95 Neotech, e+ Neotech diesel and AutoGas fuels.
        • 5 cents/liter instant discount on Efitec 98 Neotech and e+ 10 Neotech Diesel fuels.
        • Quarterly discount of 2 cents/liter if you refuel at least 250 liters during the quarter. A fuel voucher is sent, to be used in Repsol Group gas stations within 3 months after it is issued. To receive it, you have to register at repsolmas.es.

        Here's an example:

        Juan commutes 38 km every day to and from work. In a month, he travels about 760 km, equivalent to some 9,000 km a year. With this number of km traveled, if Juan refueled using Efitec 98 Neotech gasoline and paid with his Repsol más Visa Debit Card, he would save €75 a year.

        Would you like to know how much you would save on gasoline?

      What does it offer?

      • Salaries, bills and charges
        The Fee-Free Online Account and Repsol más Visa Debit Card Pack can be used for all types of direct deposits/debits. And now, with a simple photo from the BBVA app, you can change the direct debit payment of your bills and pay your taxes.

      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.
      Go to the calculator

      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. €35 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)
        • Account overdraft fee: €0 if it is less than €18, €30 if it is more than €18.

      How do I open a BBVA bank account?

      • 1 Enter your contact and access details
      • 2 Choose how you want to identify yourself
      • 3 Fill in your personal and financial details
      • 4 Sign the contracts

      Enter your contact and access details

      In order to use the BBVA app and get access to all its features, you need to enter your contact and login details.

      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.

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

      Fill in your personal and financial details

      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.

      Sign the contracts

      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.
      Become a customer

      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.

      A free and simple way to transfer your income and bills, or an entire account, from another bank. You decide what you want to transfer and BBVA will take care of everything.

      More information

      Would you like more information?

      If you are 18 or older, live in Spain and are not yet a BBVA customer, you can apply for the pack: Fee-Free Online Account + Repsol más Visa Debit Card and enjoy all its advantages.

      No, the pack: The Fee-Free Online Account + Repsol más Visa Debit Card can only be opened through bbva.es

      The Fee-Free Online Account + Repsol más Visa Debit Card pack does not require you to direct deposit your paycheck to benefit from the fee-free account. However, the Online Account allows all types of direct debits/deposits. If you wish to do so, we can help you here.

      Enjoy:

      • Immediate discount of 3 cents/liter on Efitec 95 Neotech, e+ Neotech diesel and AutoGas fuels.
      • €5 cents/liter instant discount on Efitec 98 Neotech and e+ 10 Neotech Diesel fuels.
      • Quarterly discount in the form of a fuel voucher that can be exchanged at Repsol Group service stations in the three months after it is issued. The discount will be 2 cents/liter, provided he buys at least 250 liters during the quarter. The spending on all the cards that arise from the same contract will be included. To be eligible for the quarterly discount, you must be registered at the website for the Repsol Más Program, repsolmas.es. Annual discount in the form of a fuel voucher, that can be exchanged at Repsol Group service stations for three months after it is issued. The discount will be the value of the annual fee to issue and maintain a credit card, with a maximum value of €45, provided you purchase at least 500 liters of gas during the year. The spending on all the cards will be included individually, even if it arises from the same contract. To be eligible for the annual discount, you must be registered at the website for the Repsol Más Program, repsolmas.es. 
      • 5% off in-store retail price on lubricants, car washes, and adblue at Repsol, Campsa and Petronor service stations. 
      • Up to €310,000 in accident insurance.

      Find out more here.

      Yes, if you open a Fee-Free Online Account + Repsol más Visa Debit Card, you will have access to the network of BBVA branches and ATMs. Enjoy the conveniences and services of the app and website as well.

      This account offers fee-free debit card cash withdrawals at over 6,000 BBVA ATMs in Spain.

      BBVA ATMs feature the latest technology and, in addition to card and cardless withdrawals, you can deposit money, pay bills, view your transactions, etc.

      If you need more step-by-step information about the most frequently used ATM transactions, click here.

      If you want to find the nearest BBVA ATM, you can use the ATM locator, which will show you how to get there.

      The Fee-Free Online Account does not include a passbook or checkbook.

      The Fee-Free Online Account applies the following fees when operating with an overdraft:

      • Implicit overdraft annual interest rate: 7.25% NIR.
      • Fee for authorized overdraft in the account: 4.50% (minimum amount €15). 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.

      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.

      You might also be interested in

      • Fee-Free Online Account

        Enjoy these advantages with no fees or conditions.
        • €0 for administration and maintenance of the account.
        • €0 annual fee for the Aqua Debit Card.
        • 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.

         

        More information Become a customer
      • Va Contigo Account

        BBVA Va Contigo Salary Account

        For your paycheck or income.
        • €0 for administration and maintenance of the salary account.
        • €0 annual fee for the Aqua Debit Card.
        • 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.

        More information Open an account
      • Young Person's Online Account

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

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

        More information Open account

      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We're leaders in digital innovation and we're working to make your life a little 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.

      Become a customer
      Offer valid during current month
      1. Accounts
      2. Account plus Repsol Card

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