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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

    What does the Nómina Va Contigo Account include?

    • An account with no fees

      If you direct deposit your salary from €800, pension from €300 or receive income from €2,500 per quarter.

    • Aqua Debit Card

      No issue or maintenance fees. You can use it instantly.

    • 24/4 service

      A team of advisers is available 24/7 in your BBVA app.

    • Second account

      So you can plan better or share expenses, with no maintenance fee.
    Bring your account to BBVA without speaking to your other bank
    Free, with no hassle or paperwork. We'll take care of everything so you don't have to lift a finger. 

    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
    See terms and conditions

    No requirements, just direct deposit any of these payments

    Your salary

    Have a direct transfer set up for your monthly salary of €800 or more.

    Your pension or unemployment benefit

    Have your pension or unemployment benefit of €300 or more directly deposited into your account.

    Other income

    Receive transfers of at least €2,500 per quarter (about €850 a month).
    If you don't satisfy these requirements, the account maintenance fee will be €160 a year (payable €40 a quarter), -5.23% APR.

    And forget about fees

    • No account administration or maintenance fees (0% NIR 0% APR).
    • No fees for online transfers within the European Economic Area. Or of course, for sending money with Bizum.
    • No issue or maintenance fee for the Aqua Debit Card or the Aqua Más Card.
    • No fees for debit cash withdrawals at more than 4,500 BBVA ATMs.
    Open account

    Just opened your account? It's really easy to get it up and running

    Start making the most of your new Nómina Va Contigo Account through the BBVA app. To do this, you just have to make your first deposit in the way you prefer:
    • Make a transfer from another account.
    • Or transfer money from a debit card to your account.

    Any of these options will be free and instant.

    Getting started with your account

    100% secure payments with the Aqua Debit Card

    A physical and digital card that you can control with the BBVA app

    Shop online worry-free

    Your CVV code changes every time you make an online payment, so your money is protected against potential fraud.

    Manage your subscriptions

    Netflix, Amazon, Spotify... You can see where your card has been added and cancel the payment whenever you want.

    Limit the use of your card

    You can turn the card off and on if you can't find it, or limit its use online, in other countries...

    Track your payments in real time

    You'll get a notification whenever you use your card. If something unusual happens, you'll know right away.
    Add it to your cell phone and pay with it before it arrives.
    Get the Aqua Más credit card with no fee.
    When you join, we will review if you can have the Aqua Más credit card with no issue or maintenance fee, in addition to your account and debit card.
    Discover the new Aqua Más Card

    An app designed to take care of your finances

    From easy procedures to the progress of your financial health.

    Save without realising

    Enable savings rules to set aside part of your income or round off purchases.

    Connect your banks

    And check everything without exiting the app. You can also analyze your spending habits.

    Manage your everyday expenses

    You can create budgets, review your upcoming transactions and receive personalized ideas to control expenses.

    Get discounts

    Just for having the app, you will be able to save on trips, purchases and plans.

    Your team of advisers is always available

    When you become a customer and direct deposit your salary, you will have a team to help you.
    • Personalized service: we want to meet you and help you decide better.
    • In the BBVA app: we are available 24 hours a day to answer your questions.
    • At the branch: if you prefer to speak in person, book an appointment and save time.

    And you can also get better terms on your loan or mortgage

    With your paycheck direct deposited at BBVA, you will make lower monthly payments on your loan or mortgage. You will also get a custom quote on our insurance policies.

    Open your account in just 10 minutes

    Become a customer

    BBVA Va Contigo Salary Account

    • COSTS AND FEES

      If you direct deposit a paycheck for over €800 or a pension for over €300 into your account, or if you receive a minimum income per quarter of €2,500 through transfers, you can enjoy your salary account without having to pay the following fees:

      • Account maintenance fee: 0% APR; 00.0%.
      • Fee for transfers via bbva.es, the app and at ATMs within the European Economic Area: €0.
      • Fee for issuance of checks in euros: €0.

      If you don't satisfy the conditions, the account maintenance fee is €160 a year, payable €40 a quarter, -5.23% APR. 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.

    Aqua Debit Card

    • COSTS AND FEES

      Free for all account holders

      Your purchases and cash withdrawals will be charged to your account right away. More information on the Aqua Debit Card.

      • Debit card issuance and maintenance fee: €0.
      • Debit cash withdrawal fee at BBVA ATMs in Spain: €0.
      • Debit cash withdrawal fee at ATMs outside Spain: 4.50% (minimum €3.50).
      • Debit cash withdrawal fee at other banks' ATMs in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the money is dispensed.

    Tacit overdraft

      • Annual interest rate for overdraft: 7.25% NIR.
      • Overdraft fee: 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 application of borrowing interest and the overdraft fee is legally restricted 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.

    BBVA net and gross salary calculator

    Do you want to know how much you will get paid every month? Quickly calculate your gross and net salary, the associated withholdings or the amount of your paychecks (monthly and bonus).
    Calculate your salary

    How do I open a BBVA bank account?

    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.

    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 (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

    Would you like more information?

    It's important for you to know and understand the documents required to open this salary 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.

    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

    • For people over 59

      No fees just for direct depositing your pension for more than €300, your paycheck for more than €800 or receiving transfers of at least €2,500/quarter.

      • No account administration or maintenance fees.
      • No annual fee for the Aqua Debit Card.
      • With a team of advisers to help you with whatever you need.
      • Preferential service in branches and by telephone for people over 65 years of age.
      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 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.

    BBVA Va Contigo Salary Account
    Become a customer