Fee-Free Senior Account
No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).
If you're nearing retirement or are already retired, Future Planner will help you work out how much you need for the future you've always envisioned.
You can do that home improvement or make that journey you've been putting off for so long. Choose your project and do it with our loan at a low interest rate.
You can have a second account for €0, to separate your savings from the money you use on a daily basis. This will make it easier to manage your finances.
We are here to help you start a new chapter in your life, in person at our branches or over the phone.
No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).
Account documentation
It's important for you to know and understand the documents required to open this salary account. You can view them here:
Senior Account IP: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.
Senior Account FID: information document about the fees applied for using the main services associated with the payment account.
You can view a list of the most typical services for 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:
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.