Main advantages of the salary account
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.
A new card with no numbers to control all your expenses
A simple and free way to transfer whatever you choose. With no paperwork and without having to go to a branch.
And you don't have to talk to your other bank. You choose the ones you want to transfer to BBVA, and we'll take care of the rest.
This service lets you get an advance on your salary before it's deposited into your Salary Account. It works likes a loan: we'll give you an advance on your paycheck (up to €5,000) at 0% NIR, APR from 1.63%, and you have up to 6 months to pay it back. Pay no interest, only a €20 commitment fee.
How might you use it?
On the 23rd, the fridge breaks and you don't want to wait until the first of the following month to replace it. You get an advance on your paycheck, let's say it's €1,500, which you plan to pay back in six months. You would pay €250 a month for the next six months, plus a lump payment of €20. The total amount due would be €1,524.20. In this example, the NIR is 0% and the APR 5.26%. The APR is calculated taking into account postal expenses (€0.70/month).
Do your banking and get answers to all your questions on the Fee-Free Va Contigo Salary Account using simple tools designed for easier and faster communications, from bbva.es or through the BBVA app.
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.
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.
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:
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.
Do you want to know how much you'll get paid every month?
Your purchases and cash withdrawals will be charged to your account right away.
You can get more information on the card here.
If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee.
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).
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.
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).
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.
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.
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.
Try it free and register as a user in just a minute
