Fee-Free Online Account
Advantages
Only for new customers.
Cash withdrawal on debit
No paycheck or bills
Online transfers
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.
Join the more than 700,000 customers who are already enjoying our online account with no fees or conditions
Switch over to BBVA, hassle free
With the Bank Switching Service, we will handle everything for you:
- Without having to go to a branch.
- With no paperwork.
- And without talking to your other bank.
A free and simple way to transfer your income and bills, or an entire account, from another bank. You decide what you want to transfer and BBVA will take care of everything.
Save effortlessly with Set Up Your Account
You can save easily and quickly, activating rules and combining them however you like to save and control your money automatically.
- Choose the percentage of your salary you want to save.
- Round up the amount you pay in your purchases and save it to the account you choose.
- Choose the minimum balance you want to keep in your account.
- Automatically save a percentage of what's left over at the end of the month.
With the BBVA app, too
- If you're looking for a home or you already have one, BBVA Valora helps you determine how much it's worth so you can make better decisions.
- Use Bizum to send money instantly from cellphone to cellphone without account numbers.
- And much more!
How does it work?
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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?
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Two account holders
You can open your account with two holders directly via the website or the BBVA App.
Salaries, bills and chargesThe 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?
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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
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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 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.
How do I open a BBVA bank account?
Choose the number of account holders
If you are not a BBVA customer, you can now become one and include a second account holder in your account.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).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.
If you prefer, you can also confirm your identity with an account number which you hold in another bank.