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

Up to €1,200 and no fees, it's all upsides!

  • You will have your card and account for €0, with no conditions.
  • Now you can get up to €600 during the first year just by using your account, and if you bring your savings too, we'll double it to €1,200!

Enter this code when you open your account before 05/20/2026:

Copy code PLAN1200

In just a few minutes, only for new customers.

How can you earn up to €1,200 in the first year?

You decide what you want to do and how much to add. You don't need to do it all, you can use your account however you want.

  • +€100 for using your card

    Pay with your Aqua Debit Card and earn up to €8.33/month.

  • +€100 for paying your bills

    Direct debit your electricity, gas, internet or telephone bills and earn up to €8.33/month.

  • +€400 for bringing your paycheck

    or pensions over €800, or self-employment contributions, and earn €33.33/month.

  • And multiply it by 2, up to €1,200!

    If you maintain a balance of €20,000 in the first year, we'll double what you have earned, up to €1,200.

It's very BBVA that it costs you nothing to come

Account with no fees and no need to bring over your paycheck. 0% NIR 0% APR.

Fee-free Aqua Debit Card, ready to use.

Immediate online transfers and cash withdrawals at no cost.

That you have everything ready to start

We'll show you how to start using your account and card right away.

We'll bring over whatever you have in other banks and your direct debits, free of charge.

You have the most complete Bizum service at no cost.

If you have any questions, you can ask our team or your virtual assistant.

That you can pay securely...

Your card has a dynamic CVV that is generated with each purchase.

If someone looks at your screen, discreet mode is activated to protect your data.

You can pay faster from the app's home screen, with your face or fingerprint.

If we detect an unusual charge in your account, we will notify you immediately.

... and with the freedom to choose

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.

Whenever you want

With the service to pay expenses in installments if you have it in your account. Now, the first payment is free.

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

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. Only for new customers who open the account and sign up for the card at the time of registration, digitally.

Because it's very BBVA to move forward with you

Give your finances a workout with our Financial Coach and achieve your goals.

Organize your shared expenses with a Second Fee-Free Account.

Use BBVA Valora to find out whether it's better to buy or rent.

Keep the whole family connected with the Account for Minors.

Up to €660 for referring friends? Great plan

Start thinking about what to do with the €660 you could earn by referring your friends. And each friend could get up to €450 for joining.

And all this with no fees or conditions

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

Aqua 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

  • 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.

Selected as the best bank in 2025

Awarded for Online Account and Salary Account

Get more from your bank

Do you want to view the account documentation?

It is available in the FAQ section

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:

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.

Fee-Free Online Account
Become a BBVA customer