Who can sign up for the Fee-Free Va Contigo Salary 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).

What are the fees for an authorized overdraft?

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.

Can I withdraw money from ATMs?

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.

What happens if an account holder has more than one card?

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.

Can I direct deposit my bills or my salary?

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.

Where can I view my transactions and account statement?

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.

Can I go to or use BBVA branches if I only have this account?

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.

Is there a fee for online transfers?

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.

Is there a check book?

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

What are the advantages of the BBVA Team of Advisers?

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

Do I have the right to withdraw?

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.

What is the paycheck account?

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.

What is the best time to process your salary account?

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.

What is the difference is between a paycheck account and a checking account ?

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

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 get €150 when you direct deposit your salary.

Become a customer

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.
Cards with no fees

You can get two cards, debit and credit, with no issuance or maintenance fee.
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.

Get €150 just for direct depositing your paycheck with BBVA

You just need to become a customer with this account, register for the promotion and direct deposit your salary with the Bank Moving Service. We will take care of any other procedures.

This promotion cannot be combined with the Plan Invita a un Amigo promotions in progress.

No hassle, just direct deposit any of these payments

Your paycheck: 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

How to transfer your deposits It's easy: we'll do it for you

Request the change online once you open your account. We'll transfer whatever you want from another bank for free.

Your income (paycheck, pension) and direct deposited bills.
The regular transfers you have scheduled.
The balance you have in your other bank.
You can also request the closure of the other account.

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.

An app designed to take care of your finances

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.

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.

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For people under 30 years old. Enjoy these advantages with no fees or conditions:

€0 No account administration or maintenance fees.

€0 No issue or maintenance fees for the Aqua Debit Card.

Get FREE training with BBVA Learning Experience.
More information Become a customer
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.

And now get a free Kindle with your Senior Va Contigo Account. For a limited time only!
More information Become a customer

Have you not yet found the one?

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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".

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Make better decisions if you are planning to buy, sell or rent your house, with BBVA Valora.
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BBVA Va Contigo Salary Account

Become a customer

Try out BBVA without being a customer

The full-service account that asks for little in return

What does the Nómina Va Contigo Account include?

An account with no fees

Cards with no fees

24/4 service

Second account

Get €150 just for direct depositing your paycheck with BBVA

No hassle, just direct deposit any of these payments

And forget about fees

How to transfer your deposits It's easy: we'll do it for you