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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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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 addition

       

      • Even more security: protect your purchases in and out of Internet.
      • More flexibility: break up any payment higher than €50 in 3 months without interests (0% NIR, 0% APR) during the first year. For example, you would repay a purchase of €1,500 over 3 monthly payments of €500.

       

      Apply

      Go up to another safety level

      Your money is more protected if are not printed numbers

      With your credit card Aqua More will have the security of that no other person can use it, because just you will be able to consult your details from your app BBVA.

      The online purchases enjoy more without worries

      Whenever you go to pay something in Internet, you will obtain from the BBVA app a code CVV exclusively for confirm that operation during few minutes. 

      And moreover, if your purchase not arrives, arrive with some imperfection or simply not convinces you, we will help you to manage the complaint with the trade until 180 days later of the purchase.

      Use an ATM should be so sure as going to the bank

      With BBVA you have more than 4,500 ATMs distributed by the Whole of Spain for withdraw debit ready cash without pay fee and with the peace of mind of know that, if suffer a mugging, we will refund you until € 600 (in all €1,200 for card and year).

      When are on a trip, not you can be without card

      If for whatever reason lose or they steal you your card Aqua More being in other country, in only 2 hours will have access to ready cash and if, need it, we will send you a new card.

      You convinces your security?

      Requests your credit card Aqua More from right here.

      Apply for card

      Enjoys first and decides how pay later

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

      From now on have more freedom to decide, because with the card Aqua More will be able to pay any expense higher than €50 in 3 monthly terms without it costs you nothing in interests nor 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 accounts and return what spend as better avenges you

      Every month will decide how you prefer to organize you. Some times will come you better pay it all in one go and, other, postpone it with a fixed amount or with a percentage of the total that have 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?

      Requests your credit card Aqua More from right here.

      Apply for card

      Make sure of not run away with never surprises

      Turn your card on and off whenever you want

      Not find your card Aqua? 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 bets for the sustainability

      The plastic should be an option

      The card Aqua More supports you in your commitment with the environmental protection because she is done with recycled plastic and, still better, because can have the digital version and pay with the cell phone.

       

      The want, truth?

      Logical. Requests your credit card Aqua More from right here.

      Apply for card

      Get answers to all your questions

      The credit card Aqua More not has fee of issuance and maintenance during the first year. Later, the yearly fee will be of € 43 for the account holder and of €35 for the associated cards. 

      If you want, you can save you this fee according to the type of account that have associated to the card and the products that 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.

       

      Consult the conditions of your checking account not to pay fees

      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: BVA will charge the fee of the company account holder, that will appear in the ATM screen before withdraw the ready cash. 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 (30 or 31) generates the bill corresponding to the on sale, that load in account on the 5 of the next 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 regulation establishes that must facilitate you this document with the pre-contractual and previous information of payment services of the Card Aqua More so that know the conditions of the card and can take 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 contracts the Credit card Aqua More with a limit of 1,500 €and that same day, for example on May 1, 2022, do a purchase with the same amount, this is what would have to pay if choose break up in 12 months:
          • The first fee will be of €65.19. It will include only interests and the yearly fee by issuance and maintenance of a credit card, that is of €43.
          • The next 11 installments will be for €148.94 each.
          • The amount payable sum will be € 1,703.53 and the APR will be 25.75%.
          • If not had to pay the yearly fee by issuance and maintenance of a credit card, 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 fee by issuance and maintenance of a credit card from 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 hire the Card of crédio Aqua More with a limit of 1,500 €and that same day, for example on May 1, 2022, do a purchase with the same amount. 
          • If you choose to finance over 3 months:
            • The first fee will be of €543, includes the pivotal part of and the management fee of deferment, that is of 0% of the financed amount and the yearly fee by issuance and maintenance of a credit card, that is of €43.
            • The next 2 installments will be for €500 each.
            • The amount payable sum will be €1,543 and the APR will be 18.98%.
            • If not had to to pay the yearly fee by issuance and maintenance of a credit card, the total amount will be €1,500 and the APR will be 0%.
          • If choose break up in 4 months:
            • The first fee will be of €472, includes the pivotal part of and the management fee of deferment, that is of 3.60% of the financed amount and the yearly fee by issuance and maintenance of a credit card, that is of €43.
            • The next 3 installments will be for €375 each.
            • The amount payable sum will be €1,597 and the APR will be 37.12%.
            • If not had to to pay the yearly fee by issuance and maintenance of a credit card, the total amount will be 1,554, €and the APR will be 19.09%.
          • If choose break up in 5 months:
            • The first fee will be of €407.50, includes the pivotal part of and the management fee of deferment, that is of 4.30% of the financed amount and the yearly fee by issuance and maintenance of a credit card, that is of €43.
            • The next 4 installments will be for €300 each.
            • The amount payable sum will be €1,607.50 and the APR will be 34.08%.
            • If not had to to pay the yearly fee by issuance and maintenance of a credit card, 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 fee will be of €368, includes the pivotal part of, the management fee of deferment, that is of 5% of the financed amount and the yearly fee by issuance and maintenance of a credit card, that is of €43.
            • The next 5 installments will be for €250 each.
            • The amount payable sum 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 interest

      • What interest do deferred 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.

        Fee yearly for issuance and maintenance of a credit card from the second year: €43. Consult if can save this fee in the contract of your account

        • The settlement date of the monthly fee is on the 20 of each month, but if you choose to pay the bill on the 5 and you have deferred payment method, you will have to assume the interests from the settlement date to date fee-paying.
        • The monthly minimum amount is of € 12 and can choose any superior amount. 
        • The fee chosen destines, in the first place, to the payment of the interests and expenses negotiated and, in the second place, to amortize the credit or balance that you are arranging. For this reason, the choice of reduced contributions would be able to give place to that amortizes the credit only in a residual proportion.


        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 amount payable sum will be of €2,268.98 and the APR will be of 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 system of on sale of the credit card Aqua More, not always is possible the repayment of the credit in 48 constant monthly fees, because the minimum amount to amortize is of 3% of the drawn down balance. 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 be of 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.

         

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