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    Suggestions

      Experiences

      • 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.

      Download the BBVA app

      Manage your accounts and cards, sign, contact your adviser, directly debit bills. Everything from your cell phone.
      More information
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      ADVERTISING
      MM/DD/YYYY
      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

      BBVA Va Contigo Salary Account

      The account for your paycheck or income.

      €0
      no administration or maintenance fees for this salary account.
      €0
      no issue or maintenance fee for the Aqua Debit Card.
      Just for direct depositing with us your paycheck for more than €800, a pension or unemployment benefit for more than €300 or receiving transfers of at least €2,500/quarter.
      Open an account

      Advantages

      When you arrange for your paycheck of at least €800 to be paid directly into your account, your adviser and their team will be available to help you with whatever you need.

      Cash withdrawal on debit

      No fees for debit cash withdrawals at more than 6,000 BBVA ATMs throughout Spain.

      Get paid anytime

      Get paid when you want by getting an advance on your paycheck whenever you need it.

      Online transfers

      No fees for your online transfers within the EEA.

      Two account holders

      You can also open your Va Contigo Salary Account with two account holders.

      Aqua Card. Greater security, more control

      A new card with no numbers to control 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.
      BBVA Promotion
      Are you under 30 years old? Open a Va Contigo Salary Account for Young People and get €100 gross
      If you are already working, just for direct depositing your paycheck for over €800. Come see it!
      Go to Young Person's Va Contigo Salary Account

      Switch over to BBVA, hassle free

      With the Bank Switching Service, we will handle everything for you:

      • Without having to go to a branch.
      • With no paperwork.
      • And without talking to your other bank.

      A free and simple way to transfer your income and bills, or an entire account, from another bank. You decide what you want to transfer and BBVA will take care of everything.

      More information

      Enjoy these benefits

      • The BBVA Va Contigo Account is the ideal account for your everyday transactions and also for important operations. It has three interesting features:
        Get paid anytime

        This service allows you to get an advance on your paycheck before it's paid into your account. It works likes a loan: we pay you in advance (up to €5,000) and you have up to six months to pay it back.

        Discover all the details

        BBVA Advisor

        Do your banking and find answers to all your questions on the Va Contigo Salary Account using simple tools designed for easier and faster communications, from bbva.es or through the BBVA app.

        See more information

        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.

        I want to find out more

        Mi Segunda Cuenta account
        If you have a BBVA 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.

      Fees

      • If you arrange for your paycheck or your pension to be paid directly into your account, or if you receive a minimum income per quarter of the amounts given in "See terms and conditions", you will enjoy your Va Contigo Salary Account without having to pay the following fees:

        • No account administration or maintenance fees.
        • No issue or maintenance fee for the Aqua Debit Card.
        • No fees for cash withdrawal on debit at BBVA ATMs.
        • €0 in your online transfers within the European Economic Area.

        See conditions

      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

      Do you want a card?

      • Aqua Debit Card

        Free for all account holders

        Your purchases and cash withdrawals will be charged to your account right away.

        You can get more information on the card here.

      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

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

      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).

      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.

      If you prefer, you can also confirm your identity with an account number which you hold in another bank.

       

      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).

      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 SMS (free for you). You will receive it on the mobile phone number you provided in step 2. It's that easy.
      Open an account

      Would you like more information?

      If you are 18 or older and you live in Spain, you can open a Va Contigo Account through bbva.es, the BBVA app or in one of our branches. If you are not a Spanish resident, please visit one of our branches to open your account.

      If you meet the conditions (direct deposit your paycheck from €800, pension or unemployment benefit from €300 or have a quarterly income of at least €2,500, etc.), the Va Contigo Salary Account has no fees. Otherwise, the following charges will be applied:

      • Account maintenance service: €0 if conditions satisfied (€100 a year otherwise). APR: 0.00% calculated if the requirements of this salary account are satisfied. APR: -3.31% if requirements not satisfied (calculated assuming an average daily balance of €3,000 for one year).
      • Account administration service: €0 if conditions are met (€0.60 per item otherwise).
      • Transfers: €0**.
      • Checks issued in euros: €0 if conditions satisfied (0.5%/nominal check. Minimum of €18.03 if you do not meet the conditions).

      The Va Contigo Salary Account overdraft fees 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.

      Yes, you can withdraw cash on debit from the salary account at more than 6,000 BBVA ATMs, without fees. If you use ATMs belonging to other banks, BBVA will pass on the fee it is charged by the owner of the ATM (you will be informed of these costs before you make your withdrawal). If you use ATMs abroad, you will be charged a fee of 4.50% (minimum €3.50).

      Remember that signing up for an Aqua Debit Card carries an annual issue and maintenance fee of €35. In the case of the Aqua Credit Card, the fee will be €43.

      If you need more step-by-step information about the most frequently used ATM transactions, click here.

      If you want to find the BBVA ATM closest to you, you can use the ATM locator feature, and we will tell you how to get there.

       

      If you meet the salary account conditions, the fee for the card with the highest annual fee will be waived. If the account holder has already had the fees waived during the current calendar year for another of the cards they have linked to the account, they must pay the fee of the new associated card. The issuance fee can be waived for the following cards: BBVA Negocios Credit, BBVA Negocios Debit, BBVA Ahora, BBVA Después, BBVA Ahora Young Person's, BBVA Después Young Person's, Aqua Debit, Aqua Credit, Aqua Young Person's Debit, Aqua Young Person's Credit, Ábaco and Tarjeta 7.

      You can set up a direct debit for any bills you like, but this is not required for a fee-free account. To enjoy a fee-free Va Contigo Account, you need to have your paycheck, pension or unemployment benefit paid directly into the account, or have a minimum quarterly income of €2,500.

      You can view the status of your Va Contigo Salary Account from the website, your phone or tablet in your private area in BBVA. es or from the BBVA app.

      You can also get alerts for card transactions and paycheck deposits, plus a monthly account statement in the mail.

      The Va Contigo Salary Account gives you access to everything offered by BBVA; the services and features provided in our application, our website and, of course, all the services offered by our branches, ATMs and advisers.

      On bbva.es, the BBVA app and at ATMs, 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, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

      The Va Contigo Salary Account does not include a passbook or checkbook, but you can request these at your branch.

      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 associated with a payment account here.

      You might also be interested in

      • BBVA Goals account

        To save.

        • €0 with no administration or maintenance fee on the account.
        • Your savings are always available whenever you need them.

        No fees to help you achieve the goals you set.

        More information Open an account
      BBVA app
      Do you want to use the BBVA app even if you're not a customer?
      You'll be able to control your finances from one place, see all your accounts and products from your other banks, use tools, make transfers, all without leaving the BBVA app. It's free and you don't have to sign up for any products.
      I'm interested

      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We're leaders in digital innovation and we're working to make your life a little bit easier.
      • Our approach is based on transparency, clarity and responsibility.
      BBVA Va Contigo Salary Account
      Open an account
      Offer valid during current month
      1. Accounts
      2. BBVA Va Contigo Salary Account

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