Fee-free Young Savers Account

At BBVA, we offer checking accounts for students and employees aged 18 to 30:

• The student bank account would be the Fee-Free Young Person's Online Account; No account administration or maintenance fee and no debit card issue or maintenance fee.
• The bank account for employees would be the Fee-Free Nómina para Jóvenes Account; No account maintenance and administration fees, no debit card issuing and maintenance fees, although certain requirements must be met, i.e. having a salary of €800 or more.

With both accounts, you can make transfers between your accounts in the same bank and transfers to other banks.

• No fees or conditions, and no need to direct deposit/debit a paycheck or bills.
• If you are under 30 years old, you have the Free Standard Travel Pack: You will save on fees when using your card anywhere in the world, including weekends.
• Discounts for your trips such as 20% in Ruralka, 15% in Iryo, 15% in car hire, 5% in agencies and much more.
• Payments on your cell phone with Google Pay and Apple Pay.
• You can activate the Savings Rules service
• You can say goodbye to paying fees for your account, your card or for making transfers.
• You'll be able to use over 4,500 ATMs throughout Spain for free.
• You'll have Bizum inside the BBVA app.
• And our chatbot is available 24/7.

The Travel Pack is a service associated with the debit card that you can activate and deactivate whenever you want from your app.

With the Travel Pack you can use your card outside Spain and pay no fees for:

• Withdrawing cash outside Spain.
• Paying for purchases in a currency other than the euro.

You have 3 plans to choose from, depending on how you want to use your card abroad:

• Basic Plan: for €2.99/month you save the fees for 1 ATM cash withdrawal per month and for the first €1,000 of purchases in a currency other than the euro each month.
• Standard Plan: for €7.99/month you save the fees for 3 cash withdrawals at ATMs each month and all purchases in currencies other than the euro, with no limit on the amount!
• Premium Plan: for €14.99/month you save the fees for all cash withdrawals at ATMs and all purchases in currencies other than the euro.

Are you under 30 years old? You will have the Standard Plan included free with your card.

If you are between 18 and 30 years old, you will have the Standard Plan free of charge on your Aqua Debit Card and will be able to:

• Make payments in non-Euro currencies with no fees. When you use your card in shops or restaurants, choose the country's currency on the POS terminal. When the payment is made, we will refund the currency exchange fee (this may not happen immediately).
• Withdraw cash at ATMs without fees up to 3 times a month, with no limit on the amount, both in euros and in other currencies. If the ATM asks you to apply the exchange rate, choose “no” so BBVA can do it. Once the transaction is complete, we will refund the currency exchange and withdrawal fees. The ATM may charge you other fees that do not depend on BBVA, meaning we cannot refund them.

From 30 years old, the Travel Pack works as a subscription that you can easily activate and deactivate whenever you want. Would you like to enable it now? Go to the app and follow these steps:

1. Select the card you want to use on your trip.
2. Go to Travel Pack.
3. Choose the plan you want: Basic, Standard or Premium. You can choose the activation date and period.

If you don't use it, you can cancel it simply and at no cost from the app.

If you ever have a problem with your smartphone, with BBVA you can rest easy knowing that the app is completely secure. 

First, remember that access to your BBVA app will be protected by a login password that only you know, or by your biometrics (fingerprint or facial recognition). In addition, in order to do any transaction, two-factor authentication is always required, and involves a one-time password that is sent to your smartphone. 

To make in-person payments with your smartphone, you will need to enter the PIN that only you know when the amount is over €50 (the cumulative daily maximum for this type of payment is €150, after which you will have to enter the PIN again).

If your smartphone is lost or stolen, we recommend requesting a new password by calling Contact BBVA at 900 102 801, and if there are any problems changing it, you can request that the user be blocked. Finally, we also recommend reporting the incident to your phone company.

Your Online Account will continue to be fee-free and will maintain the same conditions.

If you have the Standard Travel Pack active, when you turn 30 it will no longer be free and will cost €7.99/month. Remember that you can activate and deactivate it whenever you want from your app.

When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The 14-day 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.