Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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    Did you know that you don't need to be a customer to try the BBVA app?

    Just create your username. You will be able to connect all your banks to control your finances and enjoy unlimited functionalities such as Valora Casas or our calculators. Try it now for free!
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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.

      Mi Segunda Cuenta

      An additional account, supplementary to your Va Contigo account.

      €0
      with no account maintenance fee.
      €0
      no issue or maintenance for debit cards.
      Open an account

      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.

      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.

      No, Mi Segunda Cuenta can only be opened online through the website or the BBVA app. Find out how to do it here.

      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 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. **
      • Fee for regulatory overdraft: €0 if it does not exceed €18. From €18.01, the handling fee is €30.

       

      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

      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 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.

      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.

      You might also be interested in

      • BBVA Goals account

        To save.

        • €0 with no administration or maintenance fee on the account.
        • Your savings are always available whenever you need them.

        No fees to help you achieve the goals you set.

        More information
        Open an account
      • Cuenta Elección

        • No fee for debit cash withdrawals at more than 4,500 BBVA ATMs.
        • No fees for online transfers within the EEA.
        • No account administration fees.
        • Flexible account maintenance fee, varying between €0, €15, or €40 per quarter, depending on the requirements you meet.
        More information
        Open an account

      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
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