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.
- And you could earn up to €760 during the first year just for opening and using your No-Fee Online Account.
Enter this code when you open your account before 7/4/2026:
Last few days!
Extra money that comes in very handy
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+€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.
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, at no cost, with the option to split expenses.
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.
Now, travel lighter with your BBVA card
Forget about cash, pay in any currency up to €300 a month with no fees.
And if you’re under 30, get unlimited payments and up to 3 fee-free cash withdrawals at ATMs worldwide, even on weekends.
With your Aqua Más, you'll pay 2% less
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.
And all this with no fees or conditions
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 ATMs and 1,800 BBVA branches in Spain.
So you can open it in just a few steps
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Choose whether the account is for you alone or you will share it with someone else.
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Take photos of your ID card/Residence card and confirm your identity by video call.
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Enter your details and create your login password.
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Sign the contract with the SMS you receive.
Selected as the best bank in 2025
Get more from your bank
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Steps for opening a bank account
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Requirements for opening an account from bbva.es
We explain what you need to do to sign up as a BBVA customer online and open a bank account. -
How do I change my bank account to a different bank?
Discover how to switch banks with BBVA's Bank Switching Service, whether you want to transfer your account or your income and payments.
Do you want to view the account documentation?
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.