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

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

      • Try out BBVA without being a customer

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

      • 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.

      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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      Nómina Va Contigo para Jóvenes Account

      What you need from a bank to say "hi" to your new life

      Get €150 gross if you decide to direct deposit a paycheck of at least €800.

      Become a customer
      Only for new customers

      Aqua Card. Greater security, more control

      The new card with no numbers to track all your expenses

      • More secure. The card number and CVV code are no longer printed on it. Only you can access them through the app.
      • Dynamic CVV. The CVV security code changes automatically, meaning it's not always the same. This way you will be more protected when you shop online.
      • More control. Temporarily turn your cards on or off whenever you want. This way, you can keep them secure if you can't find them or don't use them.

      A first account to keep track of your money at all times

      • Nómina Va Contigo para Jóvenes Account

        If you are working or you receive unemployment
      • Debit or credit card (1)

        No fees and more than 4,500 BBVA ATMs
      • Get €150 gross

        If you decide to direct deposit a paycheck of at least €800 (only for new customers)
      Become a customer
      Young Person's Online Account with no fees
      A fee-free account, a fee-free debit card, and all without having to direct deposit your paycheck.
      Go to the Online Account for Young People

      Nómina Va Contigo para Jóvenes Account

      If you direct deposit a paycheck of at least €800, a pension or unemployment benefit of at least €300, or receive transfers that total at least €2,500 quarterly:

      • €0 No account administration or maintenance fees, 0% NIR 0% APR.And with a second account holder, also with no fees.
      • No fees on online transfers within the European Economic Area.
      • No fee for checks issued in euros.
      • If your paycheck is equal to or greater than €800, you'll have your own BBVA Team of Advisers you can contact when you have a query or need help with any transaction.
      • And if you need to, you can open a second account, also with no fees, so you can share expenses, make purchases or for anything you want. 

      If you don't satisfy the conditions, the account maintenance fee is €160 (payable €40 a quarter), APR: -5.23% (assuming a constant daily balance of €3,000 for one year). The fee for issuing a check in euros is 0.5% of the check amount, minimum of €18.03 if you do not meet the conditions.

      Open account

      Aqua Cards. Safe and under control

      The cards with no printed numbers that also help you track all your expenses

      • More secure, because they do not have printed card numbers or CVV code.
      • With a dynamic CVV code that changes every time you use the card to protect your online purchases.
      • With more control, since you can turn them off or on at any time and keep them secure when you don't use them (or can't find them).

      Do you have to make a payment and don't have money in your account?

      This service offers the peace of mind you need to deal with the unexpected when you don't have sufficient balance in your salary account.

      The overdraft fees for the Young Person's Salary Account are as follows:

      • Account overdraft fee: €0 if not over €18. Over €18.01, the management fee is €30.
      • Annual interest rate for authorized overdraft. 7.25% (NIR).
      • Salary account overdraft fee: 4.50% (minimum amount €15).

      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.

      And choose the card you prefer

      • Aqua Debit Card

        A debit card that's with you wherever you go.

        • So you can take out cash on debit at an ATM with no fees.
        • And pay in online stores using the money you have available in your account.
        Free with the Online Young Person's Account
        More information
      • Aqua Credit Card

        A credit card for travel and to prepare for the unexpected.

        • To withdraw cash from an ATM.
        • Defer payment on your purchases (with interest) or pay for them the following month (without interest).
        • And be able to rent cars or make reservations in hotels.
        You can select it with the Young Person's Salary Account
        More information
      What's the difference between Aqua credit and debit cards?
      If you have any questions, get the answers here.
      More information

      Get €150 gross for direct depositing your paycheck with us

      You decide. If you open a Nómina Va Contigo para Jóvenes Account and direct deposit a paycheck of over €800.

      See terms and conditions.

      And the best tools to keep track of your money

      • Bizum & Cashup

        Settle up with your friends & family

        Send and receive money through your smartphone (with Bizum) or by chatting (with Cashup).
        More information
      • Stretch your money

        Save with the minimum effort

        With super simple rules to do it automatically or by rounding up your purchases.
        More information
      • Easy saving

        Say goodbye to piggy banks

        Achieve your objectives by putting the money you save in a Goals Account.
        More information
      • My trips

        Track your expenses so you can enjoy the trip

        Organize all your expenses when you travel and easily stick to the budget you set for yourself.
        More information

      Got it?

      If you want an account, it can be yours in under 10 minutes with our online help

      Open account

      How is becoming a BBVA customer in your best interest?

      See the advantages that await you

      • You'll have access to over 4,500 BBVA ATMs, where you can take out cash free of charge.
      • Making transfers is free within the European Union.
      • And you'll have a Team of Advisers to help you with whatever you need.

      How do I open a BBVA bank account?

      • 1 Choose the number of account holders
      • 2 Establish your contact and access details
      • 3 Choose how you want to identify yourself
      • 4 Fill in your personal and financial details
      • 5 Sign the contracts

      Choose the number of account holders

      Watch the video

      If you are not a BBVA customer, you can now become one and include a second account holder in your account.

      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.

      Establish 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 (email, phone, DNI/NIE and password).

      Watch the video

      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 (name, surnames, etc.) that coincide with those of your ID documentation (DNI/NIE) as well as those of your domicile for tax purposes (where you are registered).

      Watch the video

      Sign the contracts

      You can avoid paperwork and traveling by signing the contracts of your new bank with a code we will send you via text message (free for you). You will receive it on the mobile phone number you provided in step 2. It's that easy.

      Watch the video

      Become a customer

      Have you not yet found the one?

      It's possible, because love at first sight is not for banks

      But it's no big deal, we'll be friends, as you can use our app even if you are NOT a customer and, who knows, you may end up in love.

      • 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

      Any questions?

      It is important for you to know and understand the documents required to open this account. You can view them here:

      IP Va Contigo Account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

      FID Va Contigo 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 typical services for a payment account.

      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.

      Bizum is a tool that is integrated into the BBVA app, with which you can send and receive money just by knowing the other person's cell phone number. Decide how much to send, enter their phone number and they'll have the money in their account instantly. And if someone else wants to pay you, with Bizum it's just as easy. Just keep in mind that you can send between €0.50 and €500 per operation, limited to €1,200 a day and €5,000 a month. 

      With the Aqua Debit Card, withdrawing cash on debit at ATMs is subject to these fees: 

      • ATMs of the BBVA group in Spain: 0% fee.
      • ATMs of banks other than the BBVA Group in Spain: you will be charged the fee that the bank that owns the ATM charges BBVA, which will be displayed on the screen of the ATM before you confirm the operation. 
      • ATMs located outside Spain: a fee of 4.5% on the amount you withdraw (minimum fee €3).

      With the Aqua Credit Card, withdrawing cash at ATMs is subject to these fees:

      • ATMs of the BBVA GROUP in Spain: a fee of 3.5% on the amount you withdraw (minimum fee €3).
      • Network of ATMs: a fee of 5% on the amount you withdraw (minimum fee €3).

      At bbva.es, the BBVA app and ATMs, you 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 instant transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.
      (1) The credit card can only be taken out by the account holder. Granting subject to approval by BBVA.
      Nómina Va Contigo para Jóvenes Account
      Open account
      Offer valid during current month
      1. Accounts
      2. Nómina Va Contigo para Jóvenes Account
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