How do I apply to open the Fee-free Online Account?

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.

What do I need to apply to open the Fee-free Online Account?

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.

Can I cancel any of the products that go with the account?

When you become a customer, you will also take out the following: The Fee-free Online Account for your day-to-day. 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.

Can I go to or use BBVA branches if I only have this account?

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

Does the Aqua Debit Card have ATM fees?

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 The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn.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).

Is there a fee for online transfers?

On bbva.es, the BBVA app and at ATMs, pay no fees for transfers in euros, Swedish krona or Romanian Leu (ron) within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

If I have just become a BBVA customer, can I change my opinion?

You will have 14 days to exercise the right of withdrawal with any of the products acquired. The deadline begins on the day of signature and entry into force of the package of products you have acquired. To exercise your intention to withdraw, go into your private area at bbva.es or the account section of the BBVA app. You can also do so at a branch or by calling 900 102 801.

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 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.

Become a BBVA customer

Get your account and card in just a few minutes. Only for new customers.

Through 1/31/2024

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:

Copy code IPHONESE3

Apple ® does not collaborate in this promotion. IPhone SE3 ® is a registered trademark of Apple Inc.

Become BBVA customers

How does the promotion work?

The important thing about your account is that it costs you nothing

Free-Free Account

No account administration or maintenance fees.

Aqua Debit Card

No issue or maintenance fees, you can use it right away.

For online transfers

Within the European Economic Area and for debit cash withdrawals at more than 4500 BBVA ATMs.

When you arrive, it will feel like we've known each other for much longer.

Begin step by step

In the app, we'll guide you to get your account and card up and running instantly.
We'll handle the change for you

If you have an account or income in another bank, we will manage the change to BBVA, free of charge.
With Bizum, with more features

Only at BBVA will you be able to use a more practical and extended version of Bizum.
With a team at your side

From day one, you can talk directly to an expert.

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.

No-fee transfers

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.

Become a BBVA customer

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.

Become a BBVA customer

How the Travel Pack works.

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.

Become a BBVA customer

Do you like BBVA? You can share it with your family and friends and get up to €350

Over 600,000 people are happy with us and have invited their friends or relatives. With the Amigo Plan, you can get €35 for every person you bring and they get €35. Want to join the plan?

Become a BBVA customer

How does the Plan Amigo work?

Fee-Free Online 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.

More than 1.5 million people are already enjoying it

Become a BBVA customer

How to open your Online Account in a few steps

Choose one or two account holders

You can open the account for yourself or share it with someone else.
Take photos of your ID card/Residence card

We'll verify your identity with a video call at the end of the process.
Complete your details

In addition, you will need to create your login password for online banking.
Sign the contract

We 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

Account documentation

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.

Fee-Free Online Account

Become a BBVA customer

Did you know that you don't need to be a customer to try the BBVA app?

Fee-Free Online Account

Let's start from scratch, with no fees or conditions

Do you have children between 12 and 17 years old? You can win an iPhone SE3®