Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      Experiences

      • Bank Moving Service

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

      • Try out BBVA without being a customer

        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.

      • My everyday operations

        Track your income and expenses, organized by categories and subcategories.

      • Mobile payment

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

      • BBVA Valora

        We'll help you evaluate the price of a car, a home and much more.

      Try out BBVA without being a customer

      We invite you to get to know it
      I'm interested
      Invite a Friend Plan Branches and ATMs BBVA Newsroom Try out BBVA 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 Online Account

      The account with no fees or conditions

      More than 1 million customers are already enjoying this account.

      And now, we reimburse you for one of these subscriptions for 6 months (up to €9.99/month) when you pay for it with your Aqua Debit card.

      Become a customer
      See the terms and conditions of the promotion
      Only for new customers

      Remember that it is a promo with no penalty or minimum duration

      We want you to enjoy the Online Account with no fees or conditions, so this promo does not have any penalties or minimum term. Use it only if you like.

      The fee-free Online Account includes:

      • Fee-Free Online Account

        No account administration or maintenance fees.
      • Aqua Debit Card

        No debit card issue or maintenance fee.
      • Online Account with no conditions

        No need to direct deposit/debit your paycheck or bills, nor have a minimum balance. ZERO
      Become a customer

      And now, save on one of your subscriptions for 6 months

      We will reimburse you for the amount of one of your subscriptions for 6 months when you pay for it with your Aqua Debit Card. It is very easy:

      1. Become a customer with the Fee-Free Online Account with no conditions in just 10 minutes.
      2. Pay for your monthly subscription to Netflix, Spotify, HBO Max, Disney Plus, PlayStation Plus or DAZN with your new Aqua Debit Card.
      3. We will reimburse the amount (up to €9.99/month) of the first subscription that is charged to your card for 6 months.

      Offer valid until 06/30/2022. Cannot be combined with other current promotions. These companies are not involved in the promotion.

      Become a customer
      See conditions

      The Online Account with no fees, no conditions and no paycheck

      • No account administration or maintenance fees (0% NIR 0% APR).
      • No issue or maintenance fee for the Aqua Debit Card.
      • No fees for debit cash withdrawals at more than 4,500 BBVA ATMs throughout Spain.
      • No fees for online transfers within the European Economic Area.
      • You do not need to have your paycheck or bills paid in to enjoy the benefits.
      • You can also apply for your Online Account with two account holders.

      Aqua Card. Greater security, more control

      The new card with no numbers to track all your expenses

      • More secure. The card number and CVV code are no longer printed on it. Only you can access them through the app.
      • Dynamic CVV. The CVV security code changes automatically, meaning it's not always the same. This way you will be more protected when you shop online.
      • More control. Temporarily turn your cards on or off whenever you want. This way, you can keep them secure if you can't find them or don't use them.
      • More secure. The card number and CVV code are no longer printed on it. Only you can access them through the app.

      With the Bank Switching Service, we will handle everything for you

      A simple and free way to transfer whatever you choose. With no paperwork and without having to go to a branch.

      • Your regular transfers to other banks.
      • Your recurring income (paycheck, pension) and bills (direct debits).
      • Your balance, closing the other account.

      And you don't have to talk to your other bank. You choose the ones you want to transfer to BBVA, and we'll take care of the rest.

      More information

      Join the more than 1 million customers who already have an Online Account with no fees and conditions

      Become a customer

      Are you studying or in college? Get a Young Person's Online Account with no fees

      You read that right. A fee-free account for you, with a debit card and no fees, and all without having to direct deposit your paycheck. Come see it!
      Go to the Online Account for Young People

      Improve your financial health

      Take control of your money and receive personalized ideas through the BBVA app, so you can start saving where you didn't know you could.

      • Add savings rules, schedule regular contributions or round up your purchases to save almost without realizing it.
      • Organize your expenses by category to find out how you're spending your money. You can add budgets to track its progress.
      • Receive notifications and know in advance how your monthly expenses will vary, and what transactions or charges you can expect to see in your account in the next few days.
      • Add your home's appraised value to your assets, see its associated expenses and find out how to save on bills.

      With the BBVA app, too

      Europe's leading mobile banking provider for the fifth year running, according to Forrester consultants

      • Turn your cards on and off.
      • Withdraw cash from BBVA ATMs using your mobile.
      • Use Bizum to send money instantly from cellphone to cellphone without account numbers.
      • Get instant notifications on your account activity.

      And much more!

      BBVA, leader in mobile banking according to Forrester

      How does it work?

      • The Fee-Free Online Account is only for new customers who live in Spain. It can be opened 100% online through bbva.es and the BBVA app.

        You can view your account entries and account statement from our website or on your cell phone or tablet. You can also receive notifications by email about your card transactions and salary deposits as well as your monthly statement.

        What does no conditions and no paycheck deposit mean?

        Well, that, the Fee-Free Online Account has no requirements to get rid of fees, because it doesn't ask you for anything, no paycheck, no bills, no minimum balance... Nothing! That's why it's No Fees and No Conditions.

      Charges and fees

      • On your Fee-Free Online Account
        • €0 account maintenance, no fees and no conditions. 0% NIR 0% APR, calculated assuming a positive daily balance for one year.
        • €0 account administration service, no fees or conditions.
        • €0 for transfers at bbva.es, the BBVA app and ATMs.
        On your Aqua debit card
        • Debit card issue and maintenance fee: €0 with no fees or conditions.
        • Fee for withdrawing cash on debit: €0 at BBVA ATMs in Spain.
        • Fee for withdrawing cash on debit at ATMs abroad: 4.50% (minimum €3.50).

        If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee.

        Tacit overdraft
        • 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 is less than €18, €30 if it is greater than €18.

        Calculated based on the maximum balance owed during the account settlement period. 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.

      Do you want a card?

      • Aqua Debit Card

        No fees

        When you sign up for this account, it includes the Aqua Debit Card, a fee-free debit card for the account holder. If the account has two account holders, each will receive a fee-free debit card.

        If you have more questions about the card, you can get answers here.

      What does it offer?

      • Two account holders

        You can choose your account with two holders directly from the BBVA website or app.

         

        Salaries, bills and charges
        The Fee-Free Online Account allows all types of direct deposits/debits such as paycheck and bills. And now, you can change your direct debits, bring your income or pay your taxes easily from the BBVA app.

      How to get a BBVA bank account?

      • 1 Choose the number of account holders
      • 2 Establish your contact and access details
      • 3 Choose how you want to identify yourself
      • 4 Fill in your personal and financial details
      • 5 Sign the contracts

      Choose the number of account holders

      Watch the video

      If you are not a BBVA customer, you can now become one and include a second account holder in your account.

      During the registration process for new customers on digital channels, BBVA needs to process your biometric data (among other personal data) in order to verify your identity. If you do not want to register online, you can become a customer by going to a BBVA branch and taking out one of the products available on this channel.

      Establish your contact and access details

      In order to use the app and get access to all its features, you need to enter your contact and login details (email, phone, DNI/NIE and password).

      Watch the video

      Choose how you want to identify yourself

      You can now use our video identification system to contact one of our advisers. It's free and your bank account will be open and operational within 5 minutes.

      Watch the video

      Fill in your personal and financial details

      Fill in and confirm your personal details (name, surnames, etc.) that coincide with those of your ID documentation (DNI/NIE) as well as those of your domicile for tax purposes (where you are registered).

      Watch the video

      Sign the contracts

      You can avoid paperwork and traveling by signing the contracts of your new bank with a code we will send you via text message (free for you). You will receive it on the mobile phone number you provided in step 2. It's that easy.

      Watch the video

      Open an account

      Would you like more information?

      It is important for you to know and understand the documents required to open 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.

      If you are 18 or older, live in Spain and are not a BBVA customer, you can open and enjoy all the advantages of this account.

      We recommend that both account holders be present during the registration process, with their respective documentation ready: DNI/NIE and your mobile phone to sign your contracts via SMS.

      No, the Fee-Free Online Account can only be opened through bbva.es or on the BBVA App.

      No. With this account, you do not need to direct deposit your paycheck to avoid fees.

      With the BBVA Free-Free Online 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% (minimum €3,5).

      The Fee-Free Online Account applies the following fees when operating with an overdraft:

      • Annual interest rate for authorized overdraft. 7.25% NIR.
      • Fee for authorized overdraft in the account: 4.50% (minimum amount €15). Calculated based on the maximum balance owed during the account settlement period.

      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.

      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.

      The Fee-Free Online Account does not include a checkbook or a passbook.

      When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The period begins on the day the account contract is signed.

      The right of withdrawal may be exercised via the bbva.es website and the BBVA mobile app (in both cases from the private area, through the "I want to" option in the personal accounts menu). This right can also be exercised in a branch or by calling Contact BBVA.

      You might also be interested in

      • Va Contigo Account

        BBVA Va Contigo Salary Account

        For your paycheck or income.
         
        No fees just for direct depositing your paycheck for more than €800, a pension or unemployment benefit for more than €300 or receiving transfers of at least €2,500/quarter:
        • €0 for administration and maintenance of the salary account.
        • €0 annual fee for the Aqua Debit Card.
        • With a Team of Advisers at your disposal in the BBVA app.
        More information Become a customer
      • Promo

        Young Person's Online Account with no fees

        Enjoy these advantages with no fees or conditions
        • €0 No account administration or maintenance fees.
        • €0 No issue or maintenance fees for the Aqua Debit Card.
        • 4,500 ATMs where you can take out cash on debit free of charge.

        And now, we reimburse you for one of these subscriptions for 6 months (up to €9.99/month) when you pay for it with your Aqua Debit Card.

        More information Become a customer
      • Cuenta de Pago Básica

        For personal use.
        • Cash deposits and withdrawals.
        • Direct debit payments and transfers.
        • For one or more account holders. 
        • Sign up in-branch.

        If you don't already have a similar account in Spain.  

        More information
      Fee-Free Online Account
      Become a customer
      Offer valid during current month
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      2. Fee-Free Online Account
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      Banco Bilbao Vizcaya Argentaria S.A. 2022

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