Adiós Comisiones Program

With the Adiós Comisiones Program, you won't have to pay fees and charges for certain common transactions and services in your account if you meet the requirements.

No administration or maintenance fees on the account or the cards.

Find out about the requirements you need to meet to avoid paying these fees.

In the account

No administration and maintenance fees for accounts with no active passbook or with a reduced maintenance fee of €10/year in accounts with an active passbook. 

This Program applies to the account types detailed in the ANNEX* 

What is considered an active passbook? 

For the purposes of the Adiós Comisiones Program, a passbook is considered active provided that it has been updated in the last 12 months. 

Who is exempt from the reduced maintenance Fee? 

Holders who meet the requirements and who, in addition, are in one of these cases: 

  • Anyone under 30 years of age or,
  • That any person has a pension paid into his account for a transfer of at least €300 a month or,
  • any person having a monthly balance greater than 60,000 euros. 

You will not pay this maintenance fee if you meet the requirements and return your passbook to a BBVA branch.

In the cards

No annual fees for issuing and maintaining one of the credit or debit cards detailed in the ANNEX* that are directly billed to the account and issued in the name of one of the account holders. 

Who will benefit from this saving?

  • For all account holders, who will stop paying the aforementioned fees in one of their cards. Only one card will be exempt for each account holder.

If you have more than one card, which card is this saving applied to? 

  • If there are several cards in the name of the same account holder, the card that has the highest annual fee will be exempt, provided that there was not another exemption from paying another card fee in the current year. 

If there has not been more than one of the same amount, the card with the most recently signed contract will be eligible. 

In other services

  • Relating to checks: no fees for issuing checks in euros from the account, as well as no clearing or trading fees for domestic check deposits in euros. 
  • Relating to expenses of mail: no postal charges will be paid for sending information on issuing and clearing checks.

* You can see the terms and conditions of the Adiós Comisiones Program here.

Young people

Under 21 

  • If all the account holders are in this age bracket, they are entitled to all the aforementioned benefits.

From 21 to 25 

If all account holders are in this age bracket and the first account holder meets the following: 

  • You have a BBVA Card contracted and active.
  • The multichannel contract has been signed (1). 
  • Your cell phone number and email address are in the BBVA database.

Useful information regarding this:

  • What does active card mean in this age bracket?

That there is no kind of block (for example, a card is blocked because it has not yet been activated with the PIN).

From 26 to 29 

If all account holders are in this age bracket and the first account holder meets the following:

  • With a BBVA Card active and directly billed to their account.
  • The multichannel contract has been signed (1).
  • Your cell phone number and email address are in the BBVA database. 

Useful information regarding this:

  • What is an active card in this age bracket?

That which has a minimum use of at least 7 transactions, whether in-store purchases or cash withdrawals, during the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the specific exemption. For example, in June, the months of February, March, April and May are reviewed. The date of charge to the credit card or the Account if it is a debit card is taken into consideration for calculating transactions.

  • How do I make sure that my cell phone number and email address are in the BBVA database?

You just need to call 91 224 94 26 and give them to the operator, or enter them in the private area on bbva.es. 

Customers with a paycheck, pension, unemployment benefit or regular income for any age

When any of the account holders have the following minimum amounts paid into the account, always for the same reference and with a single payment each month: 

  • Paycheck paid in by monthly transfer of at least €600.
  • Pension by monthly transfer of at least €300.
  • Monthly income from Unemployment Benefit of at least €300.
  • Another type of regular monthly income of at least €600.
  • Benefits from BBVA Individual Pension Plans, BBVA Individual Employee Pension Plans or BBVA Employment Plans of at least €300 monthly. 

And at least one of the following 2 conditions are met:

  • Have at least 5 direct debit charges (bills) for services.
  • Have one of the BBVA cards included in the ANNEX*, active and directly billed to the account. 

Useful information regarding this: 

  • What is considered to be a paycheck, pension or unemployment benefit for the purposes of Adiós Comisiones?

The 3 types of income refer to transfers made for paychecks, pensions or unemployment benefit. In all cases, the payment must be received duly identified by the corresponding bank coding.

For the purposes of Adiós Comisiones, only contributory, non-contributory and supplementary pensions from Social Security are taken into consideration. To meet this requirement, the income must be of the same nature and must be received in at least 2 of the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the specific exemption. For example, in June, the months of February, March, April and May are reviewed. If an account has a paycheck paid in in February and a pension paid in in April, the account will not meet this requirement. 

  • What are considered to be other types of regular income?

Cash transfers through SEPA Debit, transfers or check deposits for a minimum unit amount of €600 per month during 3 of the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the specific exemption. For example, in June, the months of February, March, April and May are reviewed.

Bizum payments received are not considered for the purposes of Adiós Comisiones.

  • What are considered to be benefits from BBVA Pension Plans, BBVA Individual Employee Pension Plans or BBVA Employment Plans?

Unit deposits in the form of benefits from BBVA Individual Pension Plans, BBVA Individual Employee Pension Plans or BBVA Employment Plans for a minimum of €300 per month during 3 of the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the specific exemption. For example, in June, the months of February, March, April and May are reviewed. 

  • When will the requirement relating to direct debits (bills) take effect?

This condition will be deemed to be met when at least five direct debits (bills) from any issuer have been charged to the account in the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the specific exemption. For example, in June, the months of February, March, April and May are reviewed. 

  • What is an active card for the purposes of Adiós Comisiones?

An active card is a card that has a minimum of at least 7 transactions, whether in-store purchases or cash withdrawals, during the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the specific exemption. For example, in June, the months of February, March, April and May are reviewed. The date of charge to the credit card or the Account if it is a debit card is taken into consideration for calculating transactions.

Customers with a monthly balance of over €60,000

  • You are entitled to all the benefits described just because of this. 

Useful information regarding this: 

  • How does it work in the case of an average monthly balance of over €60,000?

One of the account holders (without taking into account the ownership order in the account) must appear as the first holder of financial products with total average monthly balances of over sixty thousand euros during two of the four calendar months prior to the month proceeding the date of settlement, accrual or execution of the transaction, according to the specific exemption. For example, in June, the months of January, February, March and April are reviewed.

  • What products will be taken into account for applying this exemption?

Demand deposits, savings accounts and term deposits, investment funds, securities accounts, pension plans, unit link, and the following savings insurance policies: BBVA ISSPs, BBVA Europlazo, BBVA Annuities, BBVA Guaranteed Annuities, BBVA Variable Annuities, BBVA Deferred Annuities, BBVA Guaranteed Benefit Plan Annuities and BBVA Accumulation Guaranteed Benefit Plan Annuities. 

  • And how is the average monthly balance calculated?

We will use the final value of the day on the following product references for this calculation:

  • Accounts, the credit balance.
  • Investment funds, pension plans and unit links, the net asset value.
  • Securities accounts, the cash value.
  • Savings insurance, the balance less the tax withholding. 

Shareholders

  • You will be entitled to all the benefits described just because of holding at least 1,000 BBVA shares. 

Useful information regarding this: 

  • What are the requirements with regard to accounts holding stock?

The 1,000 shares must be held in a single account or securities reference in at least one of the 2 calendar months prior to the settlement date, accrual or execution of the transaction, according to the specific exemption. For example, in June, the months of April and May are reviewed. 

The sum of the securities deposited in several references will not be calculated.

The account that will not be charged the fees will be the account that, in addition to being in the ANNEX*, is associated with the securities contract as an operational account (for debits and credits). 

Account holders who carry out professional or commercial activities on a self-employed basis.

When the following types of deposit are made to the account for a total of at least €600 per month:

  • Cash transfer through SEPA Debit. 
  • Direct debit payments (bills).
  • Cash deposits.
  • Check deposits.
  • Transfers.
  • Farm payment orders.
  • From factoring or reverse factoring contracts.
  • From trading trade credits and documents.
  • From billing via POS terminals contracted with BBVA.
  • Benefits from BBVA Individual Pension Plans, BBVA Individual Employee Pension Plans or BBVA Employment Plans of a minimum monthly unit amount of €300. 

And additionally, at least 2 of the following 5 situations must be met in that same account: 

  • Monthly payment of social security or professional associations of €175 or more.
  • Have at least 5 direct debit charges (bills) for services.
  • Paycheck payments of €600 or more per month.
  • State, regional or municipal tax payments of €100 or more per month.
  • That one of the account holders has a BBVA Card, active and directly billed to the account.

Notwithstanding the foregoing, holders of accounts included in the Annex to these rules*, whose commercial activity is included under CNO 0029 (Farmers) or 0061 (Self-employed agricultural or fishing workers) may be eligible to receive the benefits of the Program by meeting only 2 of the 5 situations described above, without needing to accredit any payments to the account.

Useful information regarding this: 

  • Compliance criteria for the different terms.
    • Income of at least €600, it will be reviewed that such deposits, regardless of where they come from, have occurred in at least 3 of the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the exemption in question.
    • Social insurance or professional associations, payment through the account in 2 of the 4 calendar months prior to the settlement, accrual or execution of the transaction, according to the exemption in question.
    • Paychecks, payment through the account with benefits in 2 of the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the exemption in question. 
    • Direct debits (bills), this condition will be deemed to be met when at least 5 direct debits (bills) from any issuer have been charged to the account in the 4 calendar months prior to the settlement date, accrual or execution of the transaction, according to the exemption in question. 
    • Taxes, payment through the account with benefits in 2 of the last 6 calendar months prior to the settlement, accrual or execution of the transaction, according to the exemption in question.  

A calendar month is the period between the first and the last day of each month, both inclusive.

* You can see the terms and conditions of the Adiós Comisiones Program here.

(1)
The Multichannel contract sets out the terms regulating the channels that BBVA makes available to you for taking out products and services (website, app, telephone banking, ATM, etc.), which you can sign at any time at your branch, via bbva.es or on the BBVA App.

When is the Adiós Comisiones program applied?

It is automatically applied and you will be able to benefit from its advantages by holding an account and meeting the requirements. However, the Bank will cease to apply the exemptions in the following cases:

  • If the account is cancelled for any reason.
  • If the requirements and terms proving entitlement to exemptions are no longer being met.
  • When, in the Bank's opinion, one of the account holders has engaged in fraudulent activity in order to obtain the exemption. 

How long does it last?

The aforementioned benefits will apply indefinitely, although BBVA reserves the right to amend the terms of the Program or to cancel it at any time.

If the Bank decided to modify or cancel the Adiós Comisiones Program, it would notify the program's beneficiaries. This notification will be made two months in advance by personal notice to customers benefiting from the Program. 

What do I do in the event of an incident?

If you have any queries regarding the application or interpretation of this Program, please contact any BBVA branch or write to:

BBVA Customer Service 

Apartado de Correos 1598
28080 Madrid

You can see the terms and conditions of the Adiós Comisiones Program here.