What important information do I need to know about the Fee-free Online Account?

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 and installment payment service : 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). 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 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.

How can I complete my details using Cl@ve PIN?

At BBVA, we give you the option to automatically fill out all the details needed to process your registration as a customer, making the process more convenient, fast and secure through the Cl@ve PIN system. To do so, we use the technology of TaxDown, a supplier specializing in remote connections and procedures with the AEAT (Tax Agency) and the TGSS (Social Security General Treasury). This service is provided outside the BBVA environment. As a result, if you choose this option, we will take you to the TaxDown environment so you can provide, through Cl@ve PIN, all the details for the registration process, Always securely and with your prior consent. With TaxDown and Cl@ve PIN, your BBVA registration process will be: Faster: almost all the details are filled in automatically. You just have to enter your DNI/TIE/NIE number and the validity date. More comfortable: just check that everything is correct. More secure: Cl@ve PIN and TaxDown guarantee your privacy.

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. Installment payment service. 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. If you have any questions or you want to cancel any of these products, you can go to a BBVA branch or call Contact BBVA: 900 102 801

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.

If I have Bizum in another bank, will I also have it in the Online Account?

The Online Account already has the Bizum service activated so you can instantly receive or send money with your cell phone, as if you were sending a message. If you don't have Bizum, it will be activated with BBVA and you'll be able to receive and send money from the outset. If you have it in another bank, you will only be able to send money from BBVA. If you also want to receive money via Bizum at BBVA, you can instantly change it from the app.

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?

At bbva.es, the BBVA app, and at ATMs you do not pay commissions on your standard and immediate transfers in euros, Swedish krona or Romanian leu (ron) within the scope of the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Transfers using magnetic media, Fund Movement Orders (FMOs) and Value Day transfers not included. 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

For €0 and no conditions? Very much BBVA

Get your Fee-Free Online Account and Aqua Debit Card for €0.
Plus, you can earn up to €760 in one year for doing the usual things: sending a Bizum, using the card, paying a bill or direct depositing your paycheck. The more you use your account, the more you earn!

Enter this code when you open your account before 09/30/2025:

Copy code PLAN760

Become a BBVA customer

In just a few minutes, only for new customers.

Up to €760 for using your account like an account

+€120 with Bizum

Send money or make payments with Bizum and earn up to €10/month.
+€120 with your card

Pay with your Aqua Debit Card and earn up to €10/month.
+€120 for your bills

Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.
+€400 for your paycheck

Direct deposit your paycheck of at least €800 and earn €33.33/month.

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.

Free online transfers and cash withdrawals.

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

We'll bring over whatever you have in other banks free of charge.

You have the most complete Bizum and instant transfers at no cost.

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

Become a BBVA customer

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.

Become a BBVA customer

... 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.

See Aqua Más Card

Whenever you want

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

See Installment payment service

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.

Become a BBVA customer

How it works

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.

Become a BBVA customer

Fee-Free Online Account

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 BBVA ATMs in Spain.

Become a BBVA customer

Open your account in a few easy steps

Individual or shared

Choose whether the account is for you alone or you will share it with someone else.
Identify yourself

Take photos of your ID card/Residence card and confirm your identity by video call.
Fill out the information

Enter your details and create your login password.
And that's it

Sign the contract with the SMS you receive.

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:

IP Online Account and installment payment service: 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).

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

Fee-Free Online Account

For €0 and no conditions? Very much BBVA

Up to €760 for using your account like an account

+€120 with Bizum

+€120 with your card

+€120 for your bills

+€400 for your paycheck

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

Fee-free Aqua Debit Card, ready to use.

Free online transfers and cash withdrawals.

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 free of charge.

You have the most complete Bizum and instant transfers 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.

Immediately

Later

Whenever you want

With your Aqua Más, you'll pay 2% less

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.

And get all this with no fees or commitments

Fee-Free Online Account

Aqua Card

For transfers

For withdrawing cash

Open your account in a few easy steps

Individual or shared

Identify yourself

Fill out the information

And that's it

Do you want to view the account documentation?

Some questions that may come up

What important information do I need to know about the Fee-free Online Account?

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

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

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

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

If I have Bizum in another bank, will I also have it in the Online Account?

Does the Aqua Debit Card have ATM fees?

Is there a fee for online transfers?

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