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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.
    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.

    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 €150 with the Plan Amigo

    Do you want to get €15 for each friend you invite to BBVA (maximum 10 friends) and get €15 for each of them too?

    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 06/30/23.

    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?

    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.

    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 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

    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.

    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

    • 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, we will reimburse you for one of your favorite subscriptions for 6 months (up to €9.99/month) when you register as a customer and pay for it with your Aqua debit card. Offer valid until 06/30/2023. Cannot be combined with other offers.

    • 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. They get another €250.

    • 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.

    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