Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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    Experiences

    • Bank Moving Service

      Bank Moving Service

      Switch to BBVA and we'll handle all the paperwork for you

    • Try out BBVA without being a customer

      Try out BBVA without being a customer

      Discover the features of the BBVA app without opening an account.

    • Bizum

      Bizum

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

    • My everyday operations

      My everyday operations

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

    • Mobile payment

      Mobile payment

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

    • BBVA Valora

      BBVA Valora

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

    Try out BBVA without being a customer

    We invite you to get to know it
    I'm interested
    Invite a Friend Plan Branches and ATMs BBVA Newsroom Try out BBVA without being a customer
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      ADVERTISING
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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.

      Repsol Debit Pack

      Fee-Free Online Account & Repsol más Visa Debit Card

      The account + card pack that helps you to save on fuel costs.

      • Your Repsol más Visa Debit Card with no issuance or maintenance fee the first year.
      • Save up to 7 cents/liter on fuel at Repsol, Campsa and Petronor gas stations.
      • 5% discount in stores and on lubricants, washes and Blue+ at Repsol Group service stations.
      • And you can also add it to the Repsol Waylet app and get an additional discount.
      I want my Repsol Pack
      Only for new customers

      The fee-free Online Account includes:

      • Repsol más Visa Débito Card

        Save on fuel while traveling.
      • Fee-Free Online Account

        No account administration or maintenance fees.
      • No terms and conditions

        No need to direct deposit/debit your paycheck or bills, nor have a minimum balance. ZERO
      • Invite a Friend Plan

        Bring friends to BBVA and you can both earn money.
      Become a customer

      With the Repsol más Visa Debit Card with no fees for the first year

      The debit card that helps you to save in your fuel costs.

      • The Repsol más Visa Debit Card has no issuance or maintenance fee the first year (€35 starting in the second year).
      • Save up to 7 cents per liter at Repsol, Campsa and Petronor gas stations.
      • You can add it to the Repsol Waylet app and get additional discounts. 
      • 5% discount in stores and on lubricants, washes and Blue+ at Repsol Group gas stations.
      • Travel insurance.
      • You can also have the Aqua Más credit card with no issue or maintenance fee.

      When you join, we will review if you can have the Aqua Más credit card, in addition to your account and debit card.

      Plus you can also continue to benefit from the fuel discounts established by the Spanish Government.

      The Online Account with no fees, no conditions and no paycheck

      • No account administration or maintenance fees (0% NIR 0% APR).
      • No fees for debit cash withdrawals at more than 4,500 BBVA ATMs throughout Spain.
      • No fees for online transfers within the European Economic Area.
      • You do not need to have your paycheck or bills paid in to enjoy the benefits.

      And get up to €350 with the Invite a Friend Plan

      Do you want to get €35 for yourself and €15 for every friend you invite to BBVA (maximum 10 friends)?

      You just need to follow these steps:

      1. Become a customer with the Fee-Free Online Account + Repsol Card.
      2. Go to the private customer private in "My promotions" and share your code with friends and family.

      To get the reward, your friends will have to use your code when they become customers and make a purchase for more than €15 with their new BBVA card.

      Valid until 04/03/2023.

      Become a customer
      See terms and conditions

      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.
        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?

      Charges and fees

      • In your account
        • €0 account maintenance service, no fees and no conditions. 0% NIR 0% APR (calculated assuming a positive daily balance for one year).
        • €0 account administration service, no fees or conditions.
        • €0 transfers from bbva.es, the BBVA app and ATMs.

        At bbva.es, the BBVA app and ATMs 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.

        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.
        • Fee for withdrawing cash on debit at ATMs abroad: 4.50% (€3.50 minimum).

        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.

        Tacit overdraft
        • Annual interest rate for authorized overdraft. 7.25% NIR.
        • Fee for authorized overdraft in the account: 4.50%. Minimum amount €15.
        • Account overdraft fee: €0 if it is less than €18, €30 if it is more than €18.

        Calculated based on the maximum balance owed during the account settlement period. The APR resulting from the applying the interest payable and the overdraft fee has a legal limit established for "consumers" and cannot exceed 2.5 times the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.

      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

      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.

      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

      Watch the video

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

      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.

      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.

      Watch the video

      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.

      Watch the video

      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.

      Watch the video

      Become a customer

      Bring your deposits and bills for free, or your entire account, without having to go to a branch and no paperwork

      With the Bank Transfer Service, you decide what you want to bring to BBVA:
      • Your regular transfers to other banks.
      • Your recurring income (paycheck, pension) and bills (direct debits).
      • Your balance, closing the other account.

      We'll take care of transferring what you choose and, if you wish, ask the other bank to close your account. And start enjoying all the advantages of being a BBVA customer.

      More information

      Would you like more information?

      It is important for you to know and understand the documents we make available to you before opening 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.

      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, with the Repsol más Visa Debit Card, in addition to its own discounts, you can also benefit from government fuel discounts and Waylet discounts.

      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.

      When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The period begins on the day the account contract is signed.

      The right of withdrawal may be exercised via the bbva.es website and the BBVA mobile app (in both cases from the private area, through the "I want to" option in the personal accounts menu). This right can also be exercised in a branch or by calling Contact BBVA.

      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.
      • Now enjoy all the Learning Together content with exclusive features: you can choose your favourite theme and watch the most popular videos.
      • 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

      You might also be interested in

      • Promo

        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.

        And now, with the Plan Invita a un Amigo, you could get up to €350 when you bring your friends to BBVA, and they can get €15 each.

        More information
        Become a customer
      • Va Contigo Account

        BBVA Va Contigo Salary Account

        For your paycheck or income.
         
        No fees just for direct depositing your paycheck for more than €800, a pension or unemployment benefit for more than €300 or receiving transfers of at least €2,500/quarter:
        • €0 for administration and maintenance of the salary account.
        • €0 annual fee for the Aqua Debit Card.
        • With a Team of Advisers at your disposal in the BBVA app.

        Plus, you could get up to €500 for becoming a customer with the salary account and bringing your friends to BBVA. And they'll get €150.

        More information
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      • Young Person's Online Account with no fees

        Enjoy these advantages with no fees or conditions
        • €0 No account administration or maintenance fees.
        • €0 No issue or maintenance fees for the Aqua Debit Card.
        • 4,500 ATMs where you can take out cash on debit free of charge.

        And now, with the Plan Invita a un Amigo, you could get up to €350 when you bring your friends to BBVA, and they can get €15 each.

        More information
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      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      Become a customer
      Offer valid during current month
      1. Accounts
      2. Account plus Repsol Card
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      Banco Bilbao Vizcaya Argentaria S.A. 2023

      Creating Opportunities