BBVA Va Contigo Salary Account

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.

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.