Fee-Free Online Account
Let's start from scratch, with no fees or conditions
We are here to guide you in making the best decisions throughout your entire life journey.
- You will have the freedom to decide, without commitments or requirements.
- You can do everything with your BBVA app.
- You will have the security of your Aqua Debit Card.
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.
You will save time and have peace of mind in your daily life
Share expenses with Bizum
Only at BBVA will you be able to split any expenses in your account and ask for the money owed to you via Bizum.
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.
Both nationally and in the European Economic Area. You can schedule them so you don't forget them.
Turn off and turn on
If you can't find your card, you can immediately turn it off. We will also send you real-time notifications.
Are you traveling to another country? Experience fee-free card usage, just as if you were at home
If you are between 18 and 30 years old, you can use the Travel Pack service free of charge during your first 12 months at BBVA and save on fees:
- When paying in foreign currency in stores and restaurants. No limits apply.
- When withdrawing cash at foreign ATMs, up to 3 times a month.
And going forward, we'll keep moving alongside you
If you share your life with someone
You will be able to open Second Account without fees for your expenses.
If you have minor children
You will be able to open their own account for them to learn how to manage their money.
If you want to take better care of your money
With our tools, you will be able to manage your expenses and save money without even realizing it.
If you are looking to invest in your life
To study, buy a house, travel... We will find the best solution with you.
Do you like BBVA? You can share it with your family and friends and get up to €350
And of course, all with no fees or conditions
More than 1.5 million people are already enjoying it
How to open your Online Account in 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.
Chosen as the best checking account of 2023 in Rankia
Some questions that may come up
It is important for you to know and understand the documents we make available to you before opening this 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 representative services associated with 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.