Fee-Free Salary Account
Your life is evolving, so is your salary account
- Whatever happens, your account and card will continue with no fees.
- You can save without realizing it with automatic rules.
- You'll enjoy a lower interest rate on your loan or mortgage.
Do you have children between 12 and 17 years old? You can win an iPhone SE3®
We want to help you keep connected. Therefore, if you are one of the first 3,000 families to become BBVA customers and meet the requirements, you can get your smartphone.
Use this code when opening your account:
Apple ® does not collaborate in this promotion. IPhone SE3 ® is a registered trademark of Apple Inc.
Because changing banks should be convenient
Begin step by stepIn the app, we'll guide you to get your account up and running and bring your paycheck or income.
We'll bring your paycheck for youWe'll talk to your other bank and bring your income or your account to BBVA, free of charge.
Save from day oneYou'll be able to create automatic rules to set aside part of your paycheck and round off purchases.
With Bizum, with more featuresOnly at BBVA will you be able to use a more practical and extended version of Bizum.
You'll have a team of professionals by your side
You'll gain peace of mind knowing that everything is under control
Get paid anytime
If a minor unforeseen event arises one day (for example, your computer breaks down), you'll be able to request an advance on your paycheck.
More secure purchases
Your card's CVV code will change with each online payment, and you'll be able to track purchases with the app.
Get ahead of what's next
We'll send you notifications before any activity in your account, so you can plan ahead.
Your expenses, in order
You will be able to open a Second Account without fees to separate and control your day-to-day expenses.
Whatever your plan, we'll keep moving alongside you
If you want to buy a house
In addition to improving your mortgage's interest rate by 0.5%, we'll support you up to the last repayment.
If you have minor children
You will be able to open their own account for them to learn how to manage their money and send them their pocket money via Bizum.
If you have a project in mind
A refurbishment, a trip, a course... You can apply for your loan with a 1% interest rate reduction.
If you want to start investing
We'll guide you from scratch, so you can choose the best option to put your money to work. You can invest from €30.
Remember that if you like BBVA, you can invite your friends and win up to €500
And of course, all with no fees or conditions
More than 1.5 million people are already enjoying it
How to open your Salary Account in just a few steps
Choose one or two account holdersYou can open the account for yourself or share it with someone else.
Take photos of your ID card/Residence cardWe'll verify your identity with a video call at the end of the process.
Complete your detailsIn addition, you will need to create your login password for online banking.
Sign the contractWe will send you a free SMS to your cell phone to sign.
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 Online Account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.
FID Online 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.
IP Aqua Debit Card: document with the pre-contractual information detailing the conditions of the debit card that includes the account.
Authorized overdraft fees
If you have an overdraft on your account, such as when a bill is due and your balance is insufficient, the following fees will apply:
- 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 it does not exceed €18. From €18.01 up, the management fee is €30.
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.