What fees does a card with these benefits have?

The credit card charges you no issuance or maintenance fees. You can have it at no cost and use it just to travel, rent cars or pay the following month when your expenses go up.

A credit card created to protect your money

  • If they see your card, they don't see any personal numbers. Because they aren't printed, and you get a unique CVV code for each online purchase.
  • If a product you purchase online isn't perfect, we'll file a claim together. Because if you decide to pay for something, you should get it in good condition.
  • You will know right away if anyone uses your card. Because we will send you a notification anytime it's used, and if you see something suspicious, you can disable it from the app.

And paying for everything will be much easier

You can defer any purchase of more than €50, or even your entire monthly card purchases, over 3 months with no interest (0% NIR, 0% APR).

And if you need to, you can finance your payments

There are two ways to do it:

  • You can choose the term over which to repay the money with a personalized payment. This will be independent of the monthly transactions and, depending on the term, you may be charged a fee, with or without interest.
  • You can choose the monthly payment of your card with deferred (revolving) payment. You will pay a fixed amount until you repay the deferred money with interest.

Looking for a card like this one?

A card that protects your money and allows you to pay for your purchases in 3 months interest free (0% TIN, 0% APR). You can apply for your Aqua Más credit card at the same time you open your BBVA account

Now that you know the important stuff, here are the details

All the security benefits

  • If they look at it when you pay
    Nobody will see your details because the card has no printed numbers. Only you can see the important information on your card from the app.
    If you buy online

    Nobody can copy your data because the CVV code is dynamic. In other words, we give you a different code for each purchase.

    When you buy online, you just need to get the CVV code for that purchase from the app.

    If there's a problem with your purchase

    If it's defective, it's not what you ordered or it doesn't come, we'll help you process your claim with the store for up to 180 days after the purchase payment date.

    More information on the Claims Handling Service

  • If you lose it
    You can turn it off from the BBVA app and turn it back on again when you find it. That way you will avoid unnecessary risks.
    If you lose it abroad
    In 2 hours you will have access to cash and, if you need it, we'll send you a new card.
  • If someone else uses it
    You'll get a notification every time the card is used. That way, if something happens, you'll know so you can block it right away.
    If you're robbed at an ATM

    You will have ATM robbery insurance that covers:

    • Up to €600 per claim and card; and €1,200 per year and card.
    • Up to 15 minutes after you take out the cash.

    This insurance has a deductible of €30, payable when you receive the compensation.

Are there any fees for ATM cash withdrawals?

It depends on the ATM and the payment method you choose.

  • At BBVA ATMs

    Before the transaction, the ATM asks how to withdraw the money:

    • If you choose debit, there is no fee, 0%.
    • If you choose credit, there is a fee of 4% (€4 minimum).

    Before you take out the money, the ATM will tell you the exact fee.

  • At ATMs of other banks

    Before the transaction, the ATM asks how to withdraw the money:

    • If you choose debit, there is a fee that is set by the other bank for using its ATM.
    • If you choose credit, there are two fees: one is set by the other bank for using its ATM, and the other is for 4% (with a minimum of €4) for withdrawing on credit.

    Before you take out the money, the ATM will tell you the exact fee.

  • At ATMs outside Spain

    Before the transaction, the ATM asks how to withdraw the money:

    • If you choose debit, there is a fee of 4.5% (€3 minimum).
    • If you choose credit, there is a fee of 5% (€3 minimum).

How does the single payment with a credit card work?

This is an example of how the Aqua Más credit card works if you decide to pay the bill at the end of the month in a single payment.

  • 1. You have a credit limit
    You have a certain amount of credit available on your card depending on your credit limit.
  • 2. Purchases during the month

    Every time you use the card, you use up the available credit limit, not the balance in your account.

    Keep in mind that you can make purchases with your card even if you don't have the money in the account at that time. So it's important to make sure that you have sufficient funds in the account when the bill is charged.

    What if you go over your limit? You will be able to use 20% more than your limit with a 4% commission on the extra amount, with a minimum of 9€ and a maximum of 18€.

  • 3. You pay at the end of the month

    The settlement period starts on the 20th of the month and ends on the 20th of the following month.

    On the 20th of each month, a bill is issued for the total of all the payments you made with your card during this period. If the 20th is not a business day, it will be issued on the preceding business day.

    You can choose the bill charge date: the 21st of the settlement month or the 5th of the following month, and you can change it at any time.

Interest or fees for deferred payments

  • Personalized Payment

    What is the interest on a deferred purchase or bill?

    With the personalized payment, you can pay for any purchase made with the card or the monthly amount owed in installments, provided this amount is at least €50.

    The monthly payments will be for a fixed amount (which includes principal and interest if it is a personalized payment with interest, or principal and fees if it is a personalized payment with fee) and will depend on the term you choose, from a minimum of 3 months to a maximum of 36 months. This amount will be charged to the account on the 5th of each month. 

    The first payment in both cases is different:

    • For a personalized payment with interest, it only includes interest.
    • For a personalized payment with fee, only the deferral fee is charged.

    Once you take out the card, you can use both the BBVA app and bbva.es to calculate your monthly payment based on the repayment period you choose.

    Example of personalized payment with interest:

    Interest rate: 21.60% annually. Credit limit: €1,500.

    • If you take out the Aqua Más credit card with a limit of €1,500 and that same day, for example, March 8, 2026, you make a purchase for the same amount, this is what you would have to pay if you choose to defer over 12 months:
      • The first installment will be for €20.42. It will only include interest.
      • The following 11 installments will be for €151.53 each.
      • The total amount payable will be €1,687.24 and the APR will be 23.81%.

    Example of personalized payment with fee:

    Deferral fee: 0%, 4.30%, 5.20% or 6% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

    Interest rate: 0% annual. Credit limit of €1,500.

    Below are some examples of personalized payment methods with a fee over 3 to 6 months. The NIR is 0% in all cases.

    • If you take out the Aqua Más credit card with a limit of €1,500 and that same day, for example, March 8, 2026, you make a purchase for the same amount. 
      • If you choose to finance over 3 months:
        • You will pay 500 euros a month for three months. 
        • The total amount payable will be €1,500 and the APR will be 0%.
      • If you choose to defer the payment over 4 months:
        • The first payment will be for €64.50, which only includes the deferral fee, which is 4.3% of the amount financed.
        • The following 4 installments will be for €375 each and include only principal.
        • The total amount payable will be €1,564.50 and the APR will be 17.44%.
      • If you choose to defer the payment over 5 months:
        • The first payment will be for €78, which only includes the deferral fee, which is 5.2% of the amount financed.
        • The following 5 installments will be for €300 each and include only principal.
        • The total amount payable will be €1,578.00 and the APR will be 18.43%.
      • If you choose to finance over 6 months:
        • The first payment will be for €90, which only includes the deferral fee, which is 6% of the amount financed.
        • The following 6 installments will be for €250 each and include only principal.
        • The total amount payable will be €1,590 and the APR will be 18.89%.

    This system applies only to each specific settlement for which it is requested.

  • Example of deferred payment with fixed amount:

    This example complies with the information requirements of Order EHA/1718/2010, which governs and controls the advertising of banking services and products, the conditions of which may not correspond to those of the contract.

    If you make a purchase for €1,500 with a NIR of 19.80% and you choose to make a fixed monthly payment of €45.49, you would have to pay:

    • 48 monthly payments of €45.49. 
    • The total amount payable will be €2,183.52 and the APR will be 21.76%.

    IMPORTANT: With the settlement system of the Aqua Más credit card, it isn't always possible to repay the credit in 48 equal monthly installments because the minimum amount payable is 3% of the balance drawn. This means that every month, you will pay the higher of the following amounts:

    • The selected payment, consisting of principal, interest and fees.
    • Or 3% of the credit drawn before settlement, plus the interest and fees for the period. 

    If you get this card and on the same day, for example, March 8, 2026, you make a purchase for €1,500 and choose to make payments of €37 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 19.80%, would be €2,078.28. The APR will be 21.53%.

    *Offer valid during current month.

You now know everything about the Aqua Más card

You can apply for your Aqua Más credit card at the same time you open your BBVA account. Are you interested?

Do you have any queries?
Aqua Más Credit Card