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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.

    Senior Va Contigo Account

    The account for pensioners and retired people that you manage

    Now that you know what you want and you are clear about what you are asking your bank for, we offer you an account with a team of advisers to accompany you in branches or by phone.

    Now get up to €500 for becoming a customer with the Va Contigo Senior account and bringing your friends and family to BBVA.

    An account for people over 59 that includes

    • Va Contigo Account

      No fees if you direct deposit your pension from €300, your paycheck from €800 or receive income of €2,500 per quarter.

    • Aqua Debit Card

      No issue or maintenance fees. You can withdraw cash at no cost at over 4,500 BBVA ATMs.

    • A team at your service

      Because not everything needs to be online. We will attend to you in person whenever you want, at our branches and by phone.

    • Advance on your pension

      If you direct deposit your pension with BBVA, you can get it on the 25th of each month. This way you will have time to make your payments.
    The account administration and maintenance fee is €0 (0% NIR 0% APR) if you meet the conditions. If you don't satisfy the conditions, the cost of the account is €160, with a quarterly payment of €40. -5.23% APR (for an average daily balance of €3,000 for one year).
    Do you want to get up to €500?

    It is very easy:

    1. Become a customer with the Senior Va Contigo Account.
    2. Go to the private customer private and copy the code so you can share it later.
    3. Share your code with your friends and family so they can use it when signing up.
    4. You'll get €50 for each friend you bring to BBVA, up to a maximum of 10. And they'll get €150.
    See conditions
    Become a customer

    Have your pension or paycheck paid into your account and forget about fees

    • No account administration or maintenance fees. 0% NIR 0% APR.
    • No issue or maintenance fees for the Aqua Debit Card.
    • No fees for withdrawing cash on debit at over 4,500 BBVA ATMs in Spain.
    • No fees for transfers from ATMs or online, within the European Economic Area.
    • No fees for issuing and cashing checks in euros.

    No small print, you just have to meet one condition

    Doesn't matter the kind of income you receive. You'll pay no fees if you meet one of these conditions:
    • Direct deposit your pension from €300. It can be any Social Security pension.
    • Have a direct transfer set up for your monthly salary of €800 or more.
    • Receive income totaling at least €2,500 per quarter. For example, a rental income.

    If you don't satisfy the conditions, the account maintenance fee will be €160 a year, with a quarterly payment of €40. -5.23% APR (for an average daily balance of €3,000 for one year).

    More ways to waive fees

    Changing your pension or paycheck to another account is a hassle so what if we do it for you?

    With the Bank Change Service you can change the direct debit of your income for free and from the comfort of your own home. We'll take care of all the arrangements.
    1. Become a customer by opening your Senior Account online.
    2. Request the change of your pension or salary without paperwork.
    3. We will process the account change directly with Social Security or the company where you work.
    4. And if you want, we will also arrange to pay your bills you have in another bank by direct debit from your BBVA account.

    And you'll have a team of advisers to help you with whatever you need.

    Because it is people who give a bank value. We are here to serve you. You decide when and how.
    • Personalized service: we listen to you, adapt to your needs and help you make better decisions.
    • In branches: Once you are a customer, you can book an appointment at your branch and make arrangements without waiting or crowds.
    • And by phone: you can also call your adviser whenever you want.

    And if you are over 65 years old, we will attend to you as a matter of priority when you come to the branch or call us by phone.

    Become a customer
    Find your BBVA branch or ATM
    Enter your address to find branches and ATMs near you.
    Search branches

    100% secure payments with the Aqua Debit Card

    A physical and digital card that you can control with the BBVA app.

    Shop online worry-free

    Your CVV code changes every time you make an online payment, so your money is protected against potential fraud.

    Manage your subscriptions

    Netflix, Amazon, Spotify... You can see where your card has been added and cancel the payment whenever you want.

    Limit the use of your card

    You can turn the card off and on if you can't find it, or limit its use online, in other countries...

    Track your payments in real time

    You'll get a notification whenever you use your card. If something unusual happens, you'll know right away.
    Add it to your cell phone and pay with it before it arrives.
    Get the Aqua Más credit card with no fee.
    When you join, we will review if you can have the Aqua Más credit card with no issue or maintenance fee, in addition to your account and debit card.
    Discover the new Aqua Más Card

    Are you going to do your banking online?

    Check your account daily

    Payments with cards, deposits, bills...

    Send Bizums to your family

    And standard transfers.

    Resolve any queries

    Our Blue assistant will answer you instantly.

    Discover our advantages for people over 59 years old

    Can we help you open your Senior Va Contigo Account?

    If you want us to guide you to open your account online, you can contact us during the registration process

    Become a customer

    Senior Va Contigo Account

    • COSTS AND FEES

      If you direct deposit your pension of over €300 into your account, or have a minimum income of €2,500 per quarter from transfers, you can enjoy your salary account without having to pay the following fees:

      • Account maintenance fee: 0% APR; 00.0%.
      • Fee for transfers via bbva.es, the app and at ATMs within the European Economic Area: €0.
      • Fee for issuance of checks in euros: €0.

      The account maintenance fee will be €160 a year if the conditions are not satisfied, with quarterly settlements of €40, -5.23% APR (for an average daily balance of €3,000 for one year). The fee for issuing a check in euros is 0.5% of the check amount, minimum of €18.03 if you do not meet the conditions.

    Aqua Debit Card

    • COSTS AND FEES

      No fees for all account holders

      Your purchases and cash withdrawals will be charged to your account right away. More information on the Aqua Debit Card.

      • Debit card issuance and maintenance fee: €0.
      • Debit cash withdrawal fee at BBVA ATMs in Spain: €0.
      • Debit cash withdrawal fee at ATMs outside Spain: 4.50% (minimum €3.50).
      • Debit cash withdrawal fee at other banks' ATMs in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the money is dispensed.

    Tacit overdraft

    • COSTS AND FEES
      • Annual interest rate for overdraft: 7.25% NIR.
      • The account has an overdraft fee of 4.50%. Minimum €15.
      • Account overdraft fee: €0 if it is less than €18, €30 if it is more 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 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.

    Steps to open your online 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 BBVA 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
    Become a customer

    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 Senior Va Contigo Account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

    FID Senior Va Contigo 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 typical services for a payment account.

    Become a customer