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      See all mortgages
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      • Bank Moving Service

        Switch to BBVA and we'll handle all the paperwork for you.

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      • Sections: if I don't see it, I don't spend it

        Put away money from your main account and save easily.

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        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.

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

      Want to try the BBVA app without being a customer?

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      ADVERTISING
      MM/DD/YYYY
      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.

      Fee-Free Salary Account

      If you have an income, this is the account for you

      • You get an account and debit card for €0 forever, with salary advances available if any unexpected expenses arise.
      • Plus, you can earn up to €760 in one year for doing the usual things: getting your paycheck, paying bills, using a card or sending a Bizum. The more you use the account, the more you earn!

      Enter this code when you open your account before 09/30/2025:

      Copy code PLAN760

      How it works

      Become a BBVA customer
      In just a few minutes, only for new customers.

      Up to €760 for using your account like an account

      • +€400 for your paycheck

        Direct deposit your paycheck of at least €800 and earn €33.33/month.
      • +€120 for your bills

        Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.
      • +€120 with your card

        Pay with your Aqua Debit Card and earn up to €10/month.
      • +€120 with Bizum

        Send money or make payments with Bizum and earn up to €10/month.
      Become a BBVA customer
      How it works

      With zero fees, forever

      Account with no administration or maintenance fees. 0% NIR 0% APR.

      Fee-free Aqua Debit Card, ready to use.

      Free online transfers and cash withdrawals.

      You can begin without complications

      We advise you on how to open your account and direct deposit your paycheck.

      You can create automatic rules to save part of your paycheck and save.

      We will talk to your other bank to bring your income or account to BBVA, free of charge.

      The most comprehensive Bizum for instant use, with the option to split expenses.

      Become a BBVA customer

      Your money will move at your own pace

      With your paycheck, you can ask for an advance or have an overdraft service to cover unexpected situations.

      Your card has a CVV that changes with every purchase and expense control from the app.

      You will plan better with the notifications we will send you before each charge.

      You will be able to open a second account free of charge for common day-to-day expenses.

      Become a BBVA customer

      And you can pay when it suits you best

      Immediately

      If you pay with your Aqua Debit Card, the charge will be deducted instantly from your account.

      Later

      When you open an account, you can get the Aqua Más credit card with no fees and 2% cashback on your shopping.
      See Aqua Más Card

      Whenever you want

      With the service to pay expenses in installments if you have it in your account. Now, the first payment is free.
      See Installment payment service
      Become a BBVA customer

      With your Aqua Más, you'll pay 2% less

      When you open your account, you will see if you have the Aqua Más credit card available. Got it and want to keep it? We'll give you 2% back on the purchases you make with it in the first year, with no limit.
      Become a BBVA customer
      How it works

      We will take the next big step with you

      You will be able to improve the interest rate of your mortgage with your salary and we will guide you through your application.

      If you have young children, you can open their account and connect the family finances.

      If you direct deposit your paycheck, we will reduce the interest rate of your loan, so you can free up funds for your other projects.

      You will learn how to get more out of your money from the app and you will be able to invest from €30.

      Become a BBVA customer

      This is your Fee-Free Salary Account

      Fee-Free Salary Account

      No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).

      Aqua Debit Card

      The account includes a debit card with no issuance and maintenance fee for each holder.

      For transfers

      From bbva.es, the BBVA app or ATMs within the European Economic Area.

      For withdrawing cash

      Withdraw cash on debit at more than 4,500 BBVA ATMs in Spain

      Become a BBVA customer

      So you can open it in just a few steps

      • Choose whether the account is for you alone or you will share it with someone else.

      • Take photos of your ID card/Residence card and confirm your identity by video call.

      • Enter your details and create your login password.

      • Sign the contract with the SMS you receive.

      Become a BBVA customer
      Watch video

      Do you want to view the account documentation?

      It is available in the FAQ section

      Some questions that may come up

      Account documentation

      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 and installment payment service: 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).

      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.

      You can apply to open this account online at bbva.es and the BBVA app, but it is not possible to do so in branches. To sign up for the account, you need:

      • You must be 18 or older.
      • To live in Spain and have an ID card or Residence card (document with photo).
      • Not be a BBVA customer.

      In order to open this account online, you must have the following items ready:

      • ID or Residence Card (card with photo).
      • Cell phone to sign your contracts via SMS.
      • Camera on your computer or cell phone to identify you with a video call or video.

      When you become a customer, you will also take out the following:

      • The Fee-free Online Account for your day-to-day.
      • Installment payment service.
      • Aqua Debit Card associated with the account.
      • Optional Aqua Más credit card, in case you want it and can take it out.

      The products and services in this package cannot be purchased separately. But you can cancel any of them early at no cost or penalty, and continue enjoying the rest.

      If you have any questions or you want to cancel any of these products, you can go to a BBVA branch or call Contact BBVA: 900 102 801

      By becoming a BBVA customer and directly depositing your paycheck or pension, you'll be able to receive an advance of up to two paychecks if you have any unexpected expense (maximum €3,000). As with a loan, we'll deposit the amount you request into your account, and you'll be able to pay it back over up to 6 months.

      Here is an example of what the advance of your paycheck would be like:

      Imagine that an unexpected expense arises and you request an advance on a paycheck of €3,000 to pay back in 3 months.

      You would pay €1,010.85 a month for the next 3 months. And in total, you would pay €3,034.90.

      In this example, the commitment fee is 0%, the NIR is 6.5% and the APR is 7.19% (the APR was calculated taking into account postage expenses: €0.78 monthly).

      If you're interested, you can request it from your private customer area or app by following these steps:

      • Go to the section I want to apply > Salary Advance Loan > Apply
      • Choose the amount of the loan and the number of account holders.
      • Fill in your personal and financial details.
      • If everything is correct and at BBVA we approve the Salary Advance Loan, all you will have to do is sign it.
      • And within 24 working hours after signing, you'll receive the money in your account.

      Remember that you have the right to withdraw from the loan contract without incurring a cancellation fee for a period of 14 calendar days from the date you sign. You will only have to pay for the interest accrued during those days.

      With the BBVA Fee-Free Salary Account, you can enjoy all the benefits offered by the bank; the services and features provided in our application, our website and, of course, all the services offered by our branches, ATMs and BBVA advisers.

      The following fees are charged for withdrawing cash on debit at ATMs:

      • At BBVA ATMs in Spain: €0.
      • ATMs other than BBVA ATMs: the same amount as the fee that the ATM owner charges BBVA. The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn.
      • ATMs abroad: 4.50% (€3.50 minimum).

      At bbva.es, the BBVA app, and at ATMs you do not pay commissions on your standard and immediate transfers in euros, Swedish krona or Romanian leu (ron) within the scope of the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Transfers using magnetic media, Fund Movement Orders (FMOs) and Value Day transfers not included. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

      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 will have 14 days to exercise the right of withdrawal with any of the products acquired. The term starts on the day you sign and activate the product package you have chosen. To communicate your right of withdrawal, enter your private area at bbva.es or the BBVA app in the section of your account. You can also do so at a branch or by calling 900 102 801. 
      Become a BBVA customer
      Offer valid during current month
      1. Accounts
      2. Fee-Free Salary Account
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