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You can do it all on your mobile, or try some features if you are not a customer.
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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.
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      Aqua Más Credit Card

      The card that offers more

       

      • Even more security: protect your purchases online and offline.
      • More flexibility: split any payment exceeding €50 over 3 months without interest (0% NIR, 0% APR for the first year). For example, you would repay a purchase of €1,500 over 3 monthly payments of €500.

       

      Apply

      Upgrade to another level of security

      Your money is better protected if there are no printed numbers

      With your Aqua Más credit card you can be sure that no other person can use it, because only you will be able to see its details from your BBVA app.

      Online purchases are more enjoyable when they are worry-free

      Every time you pay for something online, you will receive an exclusive CVV code from the BBVA app to confirm the transaction within a few minutes. 

      Plus, if your purchase doesn't arrive, is faulty or just isn't suitable, we will help you manage your claims with the store for up to 180 days after the purchase.

      Using an ATM should be as safe as going to the bank

      With BBVA you have more than 4,500 ATMs across Spain to withdraw cash on debit with no fees, and with the peace of mind of knowing that, if you ever get mugged, we will refund up to €600 (€1,200 total per card per year).

      When you're on a trip, you can't be without a card

      If you lose your Aqua Más card for any reason or it is stolen in a foreign country, in just 2 hours you'll have access to cash and, if you need it, we can send you a new card.
      Travel Pack

      New Travel Pack

      Save on fees when paying and withdrawing money abroad with your card. Enable it and disable it whenever you want from the BBVA app.
      More information

      Are you convinced of their safety?

      Apply for your Aqua Más Credit Card right here.

      Apply for card

      Enjoy first and decide how to pay later

      If you like it, keep it. You can finance it over 3 months, interest-free.

      From now on, you will have more freedom to decide, because with the Aqua Más card you will be able to pay for any purchases over €50 in 3 monthly installments without costing you anything in interest or fees (0% NIR, 0% APR during the first year).  For example, you would repay a purchase of €1,500 over 3 monthly payments of €500.

       

      Do your accounting and repay your purchases as you prefer

      Decide every month how you prefer to organize yourself. Sometimes you would rather pay it all off and, at other times, defer it with a fixed amount or with a percentage of the total amount you've spent.
      See options for financing purchases

      Do you want to see how much you would pay per month if you finance a purchase?

         
      Calculate your monthly payment

      Are you convinced by its flexibility?

      Apply for your Aqua Más Credit Card right here.

      Apply for card

      Make sure you never get any surprises

      Turn your card on and off whenever you want

      You can't find your Aqua card? No more stress, simply turn it off from the BBVA app and then back on again whenever you want.

      Keep all your payments under control

      We'll send you a notification every time you use your card. If something unusual happens, you'll know right away.

      And committed to sustainability

      Plastic should be an option

      The Aqua Más card supports you with your commitment to protecting the environment because it is made with recycled plastic and, even better, because you can have a digital version and pay with your cell phone.

       

      You want it, right?

      Logical. Apply for your Aqua Más Credit Card right here.

      Apply for card

      Get answers to all your questions

      The Aqua Más credit card has no issuance or maintenance fee for the first year. After that, the annual fee will be €43 for the account holder and €35 for any associated cards. 

      If you want, you can save on this fee depending on the type of account associated with the card and the number of products you have with BBVA. At bbva.es and the BBVA app, find out the requirements to avoid paying a fee for credit or debit card issuance and maintenance.

      When you withdraw cash on debit, that is, money available in your associated account, you will have to pay these fees:

      • BBVA ATMs in Spain: 0%.
      • ATMs of other banks in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the cash is dispensed. 
      • ATMs outside Spain: 4.5% (minimum €3). 

      When you withdraw cash on credit, that is, money from your card's credit, you will have to pay these fees:

      • BBVA ATMs in Spain: 4% (€4 minimum).
      • ATMs of other banks in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the cash is dispensed. The fee for withdrawing cash on credit at BBVA ATMs in Spain will also be added.
      • ATMs outside Spain: 5% (minimum €3).

       

      If you make a purchase in any online store and it doesn't arrive, is faulty or doesn't match the product ordered, BBVA will help you file a claim with the store up to 180 days after the purchase payment date.

      More information on the Claims Handling Service.

      The card includes ATM robbery insurance, with the following conditions:

      • The maximum indemnity limit is €600 per claim and card, and €1,200 per card per year.
      • The insurance coverage extends for 15 minutes after the cash withdrawal is made.
      • To receive the compensation, you must pay €30 as an excess.

      No, you don't have to. Online stores like Amazon or Netflix let you enter your card details the first time you pay with it. Once you've entered the details, you don't have to re-enter a new CVV every time you make a purchase or pay for your subscription.

      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 purchases you made with your credit 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. Although if you opted for deferred payments, you will have to pay interest from the settlement date until the payment date.

      If you change the debit date before the 20th of the month, it will take effect in that month's settlement. If you change it between day 20 and 30 of the month, the change will take effect in the settlement for the following month.

      Deferred payments are settled on the last business day of the month. This day (30th or 31st), the bill corresponding to the settlement is issued, and then charged to the account on the 5th of the following month.

      If that happens, you'll be able to use up to 20% more. A 3% fee is applied to the extra amount you use, with a minimum of €6 and a maximum of €12.

      A fee of 3% will be applied to the equivalent amount in euros for any transactions you make outside the eurozone, based on the exchange rate in effect for the payment systems on the corresponding settlement date.

      Before withdrawing cash, the corresponding fees will always be displayed on the ATM screen.

       

      With a debit card, you pay for your purchases immediately with the balance in your account. 


      With the credit card, you have a credit limit so you can buy on the spot and pay when it's best for you: the following month, in installments or with a fixed monthly payment.

      The CVV (Card Verification Value) code on the debit or credit card is used to verify that the person who owns the card is the one making the purchase. This code is usually printed on the back of the physical card. 

      To add one more layer of security, all Aqua Cards feature a dynamic CVV. This code is generated with every online purchase and is only valid for 5 minutes. This way, your money is even more protected against potential fraud or cyberattacks.

      The law requires us to give you this document with the pre-contractual information on the payment services of the Aqua Más Card to help you better understand its terms and so you can make an informed decision.

      It's also important to check the PSD2 European regulation on the security of credit card payments.

       

      Information on deferred purchases

      Interest or deferral fee of the Personalized Payment

      • What is the interest on a deferred purchase or bill (personalized payment)?

        With the personalized payment, you can defer the payment of any purchase made with the card or the monthly amount owed, 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, a deferral fee is also included.

        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: 18% annually. Credit limit: €1,500.

        Yearly credit card issue and maintenance fee starting the second year: €43. See if your account contract allows you to waive this fee.

        • If you take out the Aqua Más Credit Card with a limit of €1,500 and that same day, for example, May 1, 2022, you make a purchase for the same amount, this is what you would have to pay if you choose to finance over 12 months:
          • The first installment will be €65.19. This will only include interest and the annual credit card issuance and maintenance fee, which is €43.
          • The next 11 installments will be for €148.94 each.
          • The total amount payable will be €1,703.53 and the APR will be 25.75%.
          • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,660.53 and the APR will be 19.52%.
        Example of personalized payment with fee:

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

        Deferral fee: 0%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

        Yearly credit card issue and maintenance fee starting the second year: €43. See if your account contract allows you to waive this fee.

        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, May 1, 2022, you make a purchase for the same amount. 
          • If you choose to finance over 3 months:
            • The first installment will be €543 and includes part of the principal, the deferral management fee, which is 0% of the amount financed, and the annual credit card issuance and maintenance fee, which is €43.
            • The next 2 installments will be for €500 each.
            • The total amount payable will be €1,543 and the APR will be 18.98%.
            • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,500 and the APR will be 0%.
          • If you choose to defer the payment over 4 months:
            • The first installment will be €472 and includes part of the principal, the deferral management fee, which is 3.6% of the amount financed, and the annual credit card issuance and maintenance fee, which is €43.
            • The next 3 installments will be for €375 each.
            • The total amount payable will be €1,597 and the APR will be 37.12%.
            • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,554 and the APR will be 19.09%.
          • If you choose to defer the payment over 5 months:
            • The first installment will be €407.50 and includes part of the principal, the deferral management fee, which is 4.30% of the amount financed, and the annual credit card issuance and maintenance fee, which is €43.
            • The next 4 installments will be for €300 each.
            • The total amount payable will be €1,607.50 and the APR will be 34.08%.
            • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,564.50 and the APR will be 19.07%.
          • If you choose to finance over 6 months:
            • The first installment will be for €368 and includes part of the principal, the deferral management fee, which is 5% of the amount financed, and the annual credit card issuance and maintenance fee, which is €43.
            • The next 5 installments will be for €250 each.
            • The total amount payable will be €1,618 and the APR will be 31.96%.
            • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,575 and the APR will be 19.07%.

         

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

         

      Deferred payment (revolving) interest

      • What interest do deferred revolving payments have?

        With a deferred payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.

        Interest rate: 17.52%. Credit limit: €1,500.

        Yearly credit card issue and maintenance fee starting the second year: €43. Check in your account contract whether you can save this fee

        • The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.
        • The minimum monthly amount is €12, and you can choose any higher amount. 
        • The payment chosen is used to pay the interest and agreed expenses first, and then to repay the loan or the balance you draw down. Because of this, selecting lower payments could lead to a smaller proportion of the principal being repaid every month.


        Once you take out the card, you can use both the BBVA app and bbva.es to calculate the repayment period based on your chosen payment method, as well as the total interest payable, if any.

        You can also use the Bank of Spain's card simulator to calculate the approximate total card payment or the final payment date, based on the expense and the payment method chosen.

        Remember that you can change the payment method for your card whenever you want.

         

         

        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 an NIR of 17.52% and you choose to make a fixed monthly payment of €43.69, you would have to pay:

        • 48 monthly payments of €43.69. 
        • The total amount payable will be €2,268.98 and the APR will be 24.72%.

        The calculation of the APR and the total amount payable takes into account the €43 card issuance and maintenance fee, which is charged annually.

        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, May 1, 2022, you make a purchase for 1,500 euros and choose to make payments of €37.87 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,191.33. The APR will be 25.78%.

        The calculation of the APR and the total amount payable takes into account the €43 card issuance and maintenance fee, which is charged annually in the month when the card is issued. This fee is part of the balance financed.

        Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.

         

      Aqua Más Credit Card
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