Mi Segunda Cuenta account

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.

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.

If you already have a Va Contigo Account, when you open your Mi Segunda Cuenta you can also request a debit 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 are met (€100/year otherwise)*.
  
• Account administration service: €0 if conditions are met (€0.60 per item otherwise).
• 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.**
  
• Fee for authorized overdraft in the account: 4.50% (minimum amount €15). Calculated based on the maximum balance owed during the account settlement period. **
• Fee for regulatory overdraft: €0 if it does not exceed €18. From €18.01, the handling fee is €30.
  

* APR: 00.0% calculated if the account requirements are met. APR: -3.31% if you do not meet the requirements (for a constant daily balance of €3,000 for one year).

** The APR resulting from the 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.

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.

By opening a Mi Segunda Cuenta Account 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.

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.

It is important for you to know and understand the documents required to open 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.