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Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
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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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      • 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.

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        Leave your wallet at home and pay for everything with your cell phone.

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        We'll help you evaluate the price of a car, a home and much more.

      Try out BBVA without being a customer

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      ADVERTISING
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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.

      Become a customer

      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.
        See more
      • Aqua Debit Card

        Over 4,500 BBVA ATMs for no-fee debit cash withdrawals.
        See more
      • A Team of Advisers for you

        Available whenever you want in the BBVA app to help you make the best decisions.
        See more
      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.

      • Bizum payments

        Instantly

        Send and receive money instantly using your smartphone, with no account numbers.
        See more
      • BBVA Card

        Save without realising

        With automatic rules

        Enable them from the app to save part of your salary or round off your purchases.
        See more
      • Get discounts

        Just for being a customer

        Download the BBVA app and start paying less for your purchases, plans and trips.
        See more

      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?

      • 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

      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.

      If you're 18 or older, live in Spain and are not a BBVA customer, you can open a Salary 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 Nómina Va Contigo Account has no fees. Otherwise, the following charges will be applied:

      • Account maintenance service: €0 if conditions satisfied (€160 a year otherwise, quarterly settlements of €40). APR: 0.00% calculated if the requirements of this salary account are satisfied. APR: -5.23% if requirements not satisfied (assuming an average daily balance of €3,000 for one year).
      • Transfers: €0 within the EEA.
      • Checks issued in euros: €0 if conditions satisfied (0.5%/nominal check. €18.03 minimum if conditions are not met).

      The Nómina Va Contigo 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 4,500 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 information on the most frequent ATM transactions, we'll explain them step by step.

      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 Nómina 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 Nómina Va Contigo 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 Nómina Va Contigo Account gives you access to everything offered by BBVA; the services and features provided by our application, website and, of course, by all of our branches, ATMs and Team of 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 Nómina Va Contigo Account does not include a passbook or checkbook, but you can request these at your branch.

      If you open a Salary Account and direct deposit your paycheck (from €800), you'll be assigned your own Team of Advisers:

      • 24/7 service through the BBVA app and during extended hours in our branches.
      • Sign your documents electronically through the BBVA app or at bbva.es and say goodbye to paperwork.
      • Request an appointment on a day and time to suit you, and say goodbye to waiting in line. 
      • The BBVA Contigo Team of Advisers service is available through your private area at bbva.es, the BBVA app or by phone

      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.

      The paycheck account is designed for you to pay your salary into your account. It is ideal for direct depositing recurring payments and enjoying the rest of the advantages offered by BBVA.

      You can do it at any time. Through the website or the BBVA Spain app. In just a few minutes you will have your account open and you will even be able to transfer your charges and payments from another bank.

      A paycheck account usually offers better conditions when taking out other products such as loans, mortgages, etc. 

      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
      Offer valid during current month
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      2. BBVA Va Contigo Salary Account
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