Do I have to fulfill any requirements?

Yes, to enjoy all the advantages of Mi Segunda Cuenta you need to have a Va Contigo Account and be over the age of 18 .

Can I direct-deposit my salary?

Your Segunda Cuenta allows all kinds of direct deposits, including salary. Also, now with just a photo from your BBVA app you can change your direct deposits, pay tax or arrange the direct payment of your salary.

Can I open it at a branch?

No, Mi Segunda Cuenta can only be opened online through the website or the BBVA app. Find out how to do it <a aria-label="Cómo abrir una cuenta online" href="/content/sites/public-web/bbvaes/es/finanzas-vistazo/tu-guia-bbva/cuentas/abrir-cuenta-online.html">aquí</a>.

Does it include some kind of debit or credit card?

If you already have a Va Contigo Account, when you open your Mi Segunda Cuenta you can also request a debit card.

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

Provided the conditions of the account are met, the card with the highest annual fee will have its fee 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 Blue, BBVA Después Blue, Ábaco, Tarjeta 7 and Colectivos cards.

Mi Segunda Cuenta has the following fees: Account maintenance service: €0 if conditions satisfied (€40 a quarter otherwise). APR: 0.00% calculated if the requirements of this account are satisfied. APR: -5.23% if requirements not satisfied (assuming an average daily balance of €3,000 for one year). Card issue and maintenance fee: €0 if conditions are met (otherwise €28 a year if you choose a BBVA Ahora Card, €43 a year if you choose a BBVA Después Card). Checks issued in euros: €0 if conditions satisfied (0.5% nominal check. Minimum of €18.03 if you do not meet the conditions). Unarranged overdraft annual interest rate 7.25% NIR. The APR resulting from applying the interest payable and the overdraft fee has a legal limit established for "consumers" and cannot exceed 2.5 times the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts. Fee for authorized overdraft in the account: 4.50% (minimum amount €15). Calculated based on the maximum balance owed during the account settlement period. **

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

Can I withdraw money from ATMs?

Yes, you can withdraw cash using your Segunda Cuenta debit card. Cash withdrawal on debit using card at BBVA ATMs in Spain: €0. Cash withdrawal on debit using card at non-BBVA ATMs: See note 1. Cash withdrawal on debit using card at ATMs abroad: 4.50% (minimum €3.50). Note 1: 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.

Can I use BBVA branches if I only have this account?

By opening a Mi Segunda Cuenta you will have access to all the advantages that the bank offers ; the services and convenience of our app, website and of course all our branches, ATMs and advisers .

Can I add more than one account holder to Mi Segunda Cuenta?

Yes, you can add another account holder to Mi Segunda Cuenta. Remember that the second account holder must be a BBVA customer and have all the forms filled out and approved. If the second account holder is not a BBVA customer, you will have to go to a branch.

Is there a fee for online transfers?

Pay no fees at bbva.es, on the BBVA app, and at ATMs for standard or immediate transfers in euros, Swedish krona or Romanian leu (ron) within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Transfers using magnetic media, Fund Movement Orders (FMOs) and Value Day transfers not included. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

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.

Mi Segunda Cuenta

Q: Mi Segunda Cuenta documentation

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 Mi Segunda Cuenta pre-contractual information document detailing the terms and conditions between BBVA and the account holder. FID Mi Segunda Cuenta information document about the fees applied for using the main services associated with the payment account. You can view the list of the most representative services associated with a payment account here .

€0

with no account maintenance fee.

€0

no issue or maintenance for debit cards.

Advantages

To share your spending or purchases. You can open as many as you need.

No fee for debit cash withdrawals

No fees for debit cash withdrawals at more than 6,000 BBVA ATMs throughout Spain.

Direct debit payments

It allows all kinds of direct deposits (salary, bills or charges).

Online transfers

No fees for your online transfers within the EEA.

Two account holders

You can also open your Segunda Cuenta account with two account holders.

How I can use it?

If you have a Va Contigo Account and you need a second account, this is for you:

Use it to share expenses, for purchases or whatever you want.

It allows all kinds of direct deposits (salary, bills or charges).

You can register two account holders when you open the account.

You have the option of taking out a debit card with no issue or maintenance fee.

Do you want to know how to register two account holders?

More information

No fees

When you open a Mi Segunda Cuenta, you will save on the following fees if you already have a Va Contigo Account:

No account maintenance fee.

No issue or maintenance fee for your debit or credit card.

No fee for debit cash withdrawals at more than 6,000 BBVA ATMs.

€0 in your online transfers within the European Economic Area.

If you don't have a Va Contigo Account, the maintenance fee will be €40/quarter, 0% NIR -5.23% APR (for an average daily balance of €3,000 for one year).

Open your Segunda Cuenta account

Open an account

Bring your deposits and bills for free, or your entire account, without having to go to a branch and no paperwork

With the Bank Transfer Service, you decide what you want to bring to BBVA:

Your regular transfers to other banks.
Your recurring income (paycheck, pension) and bills (direct debits).
Your balance, closing the other account.

We'll take care of transferring what you choose and, if you wish, ask the other bank to close your account. And start enjoying all the advantages of being a BBVA customer.

More information

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 Mi Segunda Cuenta pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

FID Mi Segunda Cuenta information document about the fees applied for using the main services associated with the payment account.

You can view the list of the most representative services associated with a payment account here.

Be a BBVA customer.

At BBVA we want to help you with your day-to-day errands.
We are working to make your life a little easier with our digital solutions.
Our approach is based on transparency, clarity and responsibility.

Mi Segunda Cuenta

Open an account

Mi Segunda Cuenta

No fee for debit cash withdrawals

Direct debit payments

Online transfers

Two account holders

How I can use it?

No fees

Open your Segunda Cuenta account

Bring your deposits and bills for free, or your entire account, without having to go to a branch and no paperwork

Would you like more information?