Fee-Free Senior Account for retirees and pensioners

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.

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.

When you become a customer, you will also take out the following:

• The Fee-Free Senior Account for your day-to-day.
• 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.

By becoming a BBVA customer and directly depositing your paycheck or pension, you'll be able to receive an advance of up to two paychecks if you have any unexpected expense (maximum €3,000). As with a loan, we'll deposit the amount you request into your account, and you'll be able to pay it back over up to 6 months.

Here is an example of what the advance of your paycheck would be like:

Imagine that an unexpected expense arises and you request an advance on a paycheck of €3,000 to pay back in 3 months.

You would pay €1,010.85 a month for the next 3 months. And in total, you would pay €3,034.90.

In this example, the commitment fee is 0%, the NIR is 6.5% and the APR is 7.19% (the APR was calculated taking into account postage expenses: €0.78 monthly).

If you're interested, you can request it from your private customer area or app by following these steps:

• Go to the section I want to apply > Salary Advance Loan > Apply
• Choose the amount of the loan and the number of account holders.
• Fill in your personal and financial details.
• If everything is correct and at BBVA we approve the Salary Advance Loan, all you will have to do is sign it.
• And within 24 working hours after signing, you'll receive the money in your account.

Remember that you have the right to withdraw from the loan contract without incurring a cancellation fee for a period of 14 calendar days from the date you sign. You will only have to pay for the interest accrued during those days.

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).