Who can sign up for the Senior Va Contigo Account?

If you're 59 or older, live in Spain and are not a BBVA customer , you can open a Senior Va Contigo Account through bbva.es, the BBVA app and branches. If you are not a Spanish resident, please visit one of our branches to open your account.

If you meet the conditions (direct deposit your pension or unemployment benefit from €300, a paycheck from €800, or have quarterly income of at least €2,500, etc.), the Senior Va Contigo Account has no fees. Otherwise, the following charges will be applied: Account maintenance service: €0 if conditions satisfied (€160 a year otherwise, quarterly settlements of €40). APR: 0.00% calculated if the requirements of this salary account are satisfied. APR: -5.23% if requirements not satisfied (assuming an average daily balance of €3,000 for one year). Transfers: €0 within the EEA. Checks issued in euros: €0 if conditions satisfied (0.5%/nominal check. €18.03 minimum if conditions are not met).

What are the fees for an authorized overdraft?

The overdraft fees for the Senior Va Contigo Account are as follows: Account overdraft fee: €0 if not over €18. Over €18.01, the management fee is €30 . Annual interest rate for authorized overdraft. 7.25% (NIR). Salary account overdraft fee: 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.

Can I withdraw money from ATMs?

Yes, you can withdraw cash on debit from the salary account at more than 4,500 BBVA ATMs, without fees. If you use ATMs belonging to other banks, BBVA will pass on the fee it is charged by the owner of the ATM (you will be informed of these costs before you make your withdrawal). If you use ATMs abroad, you will be charged a fee of 4.50% (minimum €3.50). Remember that signing up for an Aqua Debit Card carries an annual issue and maintenance fee of €35. In the case of the Aqua Credit Card, the fee will be €43. If you need more information on the most frequent ATM transactions, we'll explain them step by step . If you want to find the BBVA ATM closest to you, you can use the ATM locator feature, and we will tell you how to get there.

What happens if an account holder has more than one card?

If you meet the salary account conditions, the fee for the card with the highest annual fee will be waived. If the account holder has already had the fees waived during the current calendar year for another of the cards they have linked to the account, they must pay the fee of the new associated card. The issuance fee can be waived for the following cards: BBVA Negocios Credit, BBVA Negocios Debit, BBVA Ahora, BBVA Después, BBVA Ahora Young Person's, BBVA Después Young Person's, Aqua Debit, Aqua Credit, Aqua Young Person's Debit, Aqua Young Person's Credit, Ábaco and Tarjeta 7.

Can I direct deposit my bills or my pension?

You can set up a direct debit for any bills you like, but this is not required for a fee-free account. To enjoy a fee-free Senior Va Contigo Account, you can have your pension, paycheck or unemployment benefit paid directly into the account, or have a minimum quarterly income of €2,500.

Where can I view my transactions and account statement?

You can view the status of your Senior Va Contigo Account from our website or on your cell phone or tablet in your private area in bbva. es or from the BBVA app. You can also get alerts for card transactions and paycheck deposits, plus a monthly account statement in the mail.

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

The Senior Va Contigo Account gives you access to all the benefits offered by the bank; the services and features provided in our application, our website and, of course, all the services offered by our branches, ATMs and advisers.

Is there a fee for online transfers?

On bbva.es, the BBVA app and at ATMs, pay no fees for transfers in euros, Swedish krona or Romanian Leu (ron) within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

Is there a check book?

The Senior Va Contigo Account does not include a passbook or checkbook, but you can request these at your branch.

What are the advantages of having a BBVA adviser?

If you open a Senior Va Contigo Account and direct deposit your pension (from €300), you'll be assigned your own personal adviser: 24/7 service through the BBVA app and during extended hours in our branches. Your adviser will know it is you who is calling thanks to caller id. In 'My Conversations', you'll be able to review your messages with your adviser, which are saved in a secure and private area. Sign your documents electronically through the BBVA app or at bbva.es and say goodbye to paperwork. Request an appointment with your adviser for the day and time that's best for you and say goodbye to waiting in line. The BBVA Contigo Adviser service is available through your private area at bbva.es, the BBVA app or by phone

What is a Salary Account?

A salary account is one in which an employee, pensioner or person entitled to unemployment has this remuneration paid into their account. The salary account offers a number of advantages if the conditions of the account are met.

Do I have the right to withdraw?

When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The period begins on the day the account contract is signed. The right of withdrawal may be exercised via the bbva.es website and the BBVA mobile app (in both cases from the private area, through the "I want to" option in the personal accounts menu). This right can also be exercised in a branch or by calling Contact BBVA.

Va Contigo Senior 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.

And now get a free Kindle with your Senior Va Contigo Account. For a limited time only!

Become a customer

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.
See more
Aqua Debit Card

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

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).

Get a free Kindle with your Senior Va Contigo Account

For a limited time only

It is very easy:

Become a customer with the Senior Va Contigo Account.
Make your first purchase with your Aqua Debit Card.
We will send you a code to redeem it at Amazon.

See the terms and conditions of the promotion

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 administration and 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

Become a customer by opening your Senior Va Contigo Account online.
Request the change of your pension or salary without paperwork.
We will process the account change directly with Social Security or the company where you work.
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.

The account for pensioners and retired people includes the Aqua Debit Card, with a new level of security

A debit card with no issue or maintenance fees that protects your data and your money

More security in stores: the card does not have numbers printed on it, only you can see them. This way you avoid potential fraud.
More security on the internet: its CVV code is dynamic, it changes every time you use the card to protect your online purchases.
ATM robbery insurance: with up to €600 coverage.
Alerts service: you can receive messages on your cell phone or email each time you pay.

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

BBVA Seniors

For experts in living

Discover insurance for your family or your pet, loans at a special price and tools to make the most of your money.

More information
Discounts and offers

To save on your plans

Just for being a BBVA customer you get a 7% discount on your trips and all kinds of offers in shops and restaurants.

More information
Advance on pension

To avoid unforeseen events

If you direct deposit your pension at BBVA, you will receive it on the 25th of the month. This way you will have time to make your payments.

More information

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

Va Contigo Senior 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's important for you to know and understand the documents required to open this salary 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

Try out BBVA without being a customer

Va Contigo Senior Account

The account for pensioners and retired people that you manage

An account for people over 59 that includes

Va Contigo Account

Aqua Debit Card

A team at your service

Advance on your pension

Get a free Kindle with your Senior Va Contigo Account

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

No small print, you just have to meet one condition

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