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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

    No fees just for bringing your salary or income

    The salary account that best suits you, with a Team of Advisers on hand to help you when you need it.

    The Nómina Va Contigo Account includes:

    • BBVA Va Contigo Salary Account

      No fees if you bring your salary from €800, pension from €300 or receive income from €2,500 per quarter.

    • Aqua Debit Card

      Over 4,500 BBVA ATMs for no-fee debit cash withdrawals.

    • A Team of Advisers for you

      Available whenever you want in the BBVA app to help you make the best decisions.
    The account maintenance fee will be €160 a year if the conditions are not satisfied, with quarterly settlements of €40, APR -5.23% (for an average daily balance of €3,000 for one year).

    Have your salary or income paid into your account and forget about fees

    You can use all the services of your salary account without worrying about unexpected charges

    • No account maintenance fees, 0% NIR 0% APR
    • No issue or maintenance fees for the Aqua Debit Card
    • No fees for withdrawing cash on debit at over 4,500 BBVA ATMs in Spain.
    • No fees for online transfers within the European Economic Area.
    • No fees for issuing checks in Euros.
    Become a customer

    No small print, you just have to meet one condition

    Doesn't matter the kind of income you receive. You'll pay no fees if you meet one of these conditions:

    • Have a direct transfer set up for your monthly salary of €800 or more.
    • Have your pension or unemployment benefit of €300 or more directly deposited into your account.
    • Receive income from transfers of at least €2,500 per quarter.

    If you do not meet one of these conditions, the account maintenance fee will be €160 a year, paid quarterly in €40 instalments, -5.23% APR (for an average daily balance of €3,000 for one year).

    More ways to waive fees
    BBVA Promotion

    Are you under 30 years old? Open a Nómina Va Contigo para Jóvenes Account and get 150 euros gross

    Get it just for direct depositing a paycheck for over €800 a month. Come see it!
    Go to Young Person's Account

    The Aqua Debit Card is included with your account

    No debit card issue or maintenance fee, for better payment transactions with total peace of mind

    • 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.
    Become a customer
    BBVA Promotion

    Are you over 59 years of age? Get €150 gross for direct depositing your pension or paycheck with us

    Simply open a Va Contigo Senior Account and request the direct deposit of your paycheck or pension of over €800. We will take care of the paperwork.
    Go to Va Contigo Senior Account

    You will always have a Team of Advisers close by

    We want you to feel at home. That's why, when you open your account and bring your paycheck, you will have a Team of Advisers to help you make better decisions.

    • Personalized treatment: a Team of Advisers who understand your needs and know how to help you.
    • From the BBVA app: if you have any questions, you can send them a message at any time.
    • Also by phone or in branch: if you prefer to speak in person, book an appointment and save time.

    Can't be bothered to change your account or move your salary? We'll do it for you

    With the Bank Switch Service, you don't have to do a thing. We will take care of transferring whatever you want:

    • Your income (paycheck, pension) and regular bills.
    • The regular transfers you have scheduled.
    • The balance that you have left.
    • You can also request the closure of the other account.

    Do you want it?

    You could have your Nómina Va Contigo Account up and running in under 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.

      The account maintenance fee will be €160 a year if the conditions are not satisfied, with quarterly settlements of €40, APR -5.23% (for an average 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.

    Aqua Debit Card

    • COSTS AND FEES

      No fees 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

    • COSTS AND FEES
      • Annual interest rate for overdraft: 7.25% NIR.
      • The account has an overdraft fee of 4.50%. Minimum €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.

    Better advantages in your Fee-Free Salary Account

    • With the Fee-Free Va Contigo Salary Account, you will get a series of benefits that will help you improve your day-to-day operations. To get it, it has four interesting features designed for you:
      Overdraft Service

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

      • 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 below €18, €30 if over €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 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.

      I want to find out more

      Mi Segunda Cuenta
      If you have a Fee-Free Va Contigo Salary Account, you can open a Mi Segunda Cuenta with no fees. Use it to share expenses, for your purchases or for whatever you need.

    Salary calculator

    Do you want to know how much you'll get paid every month?

    Quickly calculate your gross and net salary, the corresponding withholdings or the amount of your paychecks (monthly and extra).
    Go to the calculator

    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

    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.

    Not convinced yet?

    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

    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.
    BBVA Va Contigo Salary Account
    Become a customer