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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.

    BBVA Va Contigo Salary Account

    The full-service account that asks for little in return

    • No fees JUST for direct depositing your salary or income with BBVA.
    • We'll switch over your deposits for free with the Bank Moving Service.
    • You can get better conditions on other products.

    Plus, you can earn up to €500 for becoming a customer and inviting your friends to BBVA. They will get €250 for bringing over their paycheck.

    100% online in just 10 minutes

    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 up to €500

      Get €50 for each friend you bring to BBVA, up to a maximum of 10
    Fee-Free Online Account
    A fee-free account, a fee-free debit card, and all without having to direct deposit your paycheck.
    Go to the Online Account

    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

    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.

    What's the difference between Aqua credit and debit cards?
    If you have any questions, get the answers here.
    More information

    Get up to €500 with the Amigo Nómina Plan

    Recommending BBVA comes with a prize. For every friend you invite, you will earn €50 and your friend will earn €250
    1. Join BBVA with the Nómina Va Contigo Account.
    2. Go to My promotions in your private area, activate the Amigo Nómina Plan and share your code.
    3. If your friend becomes a customer with your code and opts for direct deposit of their paycheck for at least €800, you will receive the prize.

    And this is just the start: you can earn up to €500 if you bring 10 friends to BBVA.

    Valid until 09/30/2023.

    Become a customer
    View terms and conditions

    And the best tools to keep track of your money

    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?

    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.

    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

    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 (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

    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 we make available to you before opening 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.

    (1) The credit card can only be taken out by the account holder. Granting subject to approval by BBVA.
    BBVA Va Contigo Salary Account
    Open account