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    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

    More than 700,000 customers are already enjoying this account with no fees or conditions

    The online account with no fees or conditions.

    €0
    No management or maintenance fees.
    €0
    no issue or maintenance fee for the Aqua Debit Card.
    Enjoy these advantages with no conditions.

    Advantages

    Only for new bank customers.

    Cash withdrawal on debit

    No fees for debit cash withdrawals at more than 6,000 BBVA ATMs throughout Spain.

    No paycheck or bills

    You do not need to have your paycheck or bills paid in to enjoy the benefits.

    Online transfers

    No fees for your online transfers within the EEA.

    Two account holders

    You can also open your Online Account without fees 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.

    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 700,000 customers who are already enjoying our online account with no fees or conditions

    Become a customer

    Are you under 30 years old? Open a Young Person's Online Account with no fees and get the International Student Identity Card (ISIC) free for one year

    You read that right. A fee-free account that doesn't require direct depositing your paycheck and gives you an ISIC International Student Card free for one year, with thousands of discounts in 135 countries. 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.

    • Create savings rules, schedule periodic contributions or round off your purchases to save almost without realizing it.
    • Organize your expenses by category to find out how you're spending your money. You can create 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!

    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 it offer?

    • Two account holders

      You can open your account with two holders directly via the website or the BBVA App.

       

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

    Do you want a card?

    • Aqua Debit Card

      Free

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

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

    Charges and fees

    • On your Fee-Free Online Account
      • €0 account maintenance service, no fees and no conditions (0% APR)
      • €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 below €18, €30 if over €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.

    How do I open a BBVA bank account?

    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.

    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

    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 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

    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.

    Not convinced yet?

    It's possible, because love at first sight is not for banks

    But it's no big deal, we'll be friends, as you can use our app even if you are NOT a customer and, who knows, you may end up in love. 

    • Keep tabs on all your banks from a single place.
    • Manage your income and spending and improve your budgeting.
    • Make better decisions if you are planning to buy, sell or rent your house, with BBVA Valora.
    • And no need to apply for any products or be a customer.

    Try it free and register as a user in just a minute.

    Create user

    You might also be interested in

    • For your paycheck or income.
      • €0 for administration and maintenance of the salary account.
      • €0 annual fee for the Aqua Debit Card.
      • With a personal adviser and management team in the BBVA app.

      Just for depositing with us your paycheck for more than €800, a pension or unemployment benefit for more than €300 or receiving transfers of at least €2,500/quarter.

    • 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.
      • 6,000 ATMs where you can take out cash on debit free of charge.

      Plus, if you're between 18 and 29, the International ISIC card is free for the first year, and you renew it only if you want to.

    • 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.  

    Fee-Free Online Account
    Become a customer