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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.

    Open Fee-Free Online Account

    The account with no fees or conditions

    • More than a million customers are already enjoying this free account.
    • And now, with the Plan Invita a un Amigo, you could get up to €350 when you bring your friends to BBVA, and they can get €15 each.
    See terms and conditions

    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.

    • No terms and conditions

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

    • Invite a Friend Plan

      Bring friends to BBVA and you can both earn money.

    And get up to €350 with the Invite a Friend Plan

    Do you want to get €35 for yourself and €15 for every friend you invite to BBVA (maximum 10 friends)?

    You just need to follow these steps:

    1. Become a customer by signing up for the Fee-Free Online Account.
    2. Go to the private customer private in "My promotions" and share your code with friends and family.

    To get the reward, your friends will have to use your code when they become customers and make a purchase for more than €15 with their new BBVA card.

    Valid until 10/31/22.

    Become a customer
    See terms and conditions

    Open your 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.

    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? Open a Young Person's Fee-Free Online Account

    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 free 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!

    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?

    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 we make available to you before opening 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.

    You might also be interested in

    • 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.

      And get €150 gross for direct depositing your paycheck or pension of at least €800.

    • For people under 30 years old. 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.
      • Get FREE training with BBVA Learning Experience.
    • 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