BBVA España
With the BBVA app, you can do it all from your phone.
Open
Go to main content
Go to the People Home page
  • People
  • Business
  • Become a customer
  • Access Access Access
  • Menu Close
Click enter
Suggestions

    Products

    Home
    • Accounts
    • Cards
    • Mortgages
    • Loans
    • Insurance
    • Pension plans
    • Mutual funds
    • Deposits
    • Investment portfolios
    • Savings insurance
    • Stock exchange and markets
    • Autorenting
    Promotions and offers
    Branches and ATMs
    BBVA Newsroom
    • Español
    • Català
    • English
    • Galego
    • Euskara
    People Companies
    • Home
    • Accounts
    • Cards
    • Mortgages
    • Loans
    • Insurance
    • Pension plans
    • Mutual funds
    • Deposits
    • Investment portfolios
    • Savings insurance
    • Stock exchange and markets
    • Autorenting
    Click enter
    Suggestions

      Experiences

      • Bizum

        Send and receive money from your phone instantly. As easy as sending a message.

      • My everyday operations

        Track your income and expenses, organized by categories and subcategories.

      • Mobile payment

        Leave your wallet at home and pay for everything with your cell phone.

      • BBVA Valora

        We'll help you evaluate the price of a car, a home and much more.

      Download the BBVA app

      Manage your accounts and cards, sign, contact your adviser, directly debit bills. Everything from your cell phone.
      More information
      Promotions and offers Branches and ATMs BBVA Newsroom
      Access Access Access
      Become a customer
      • Español
      • Català
      • English
      • Galego
      • Euskara
      ADVERTISING
      MM/DD/YYYY
      Aqua Credit Card
      Smart, flexible and even more secure
      • Numberless card, only you can see them in the app.
      • Dynamic CVV to protect your online purchases.
      • Pay for your purchases the following month or in installments.
      Apply for card
      If you are interested in this product, you first have to become a customer with the Fee-Free Online Account and the Aqua Debit Card
      It will take less than 10 minutes. Once you have the account, you can request this product.
      See advantages of the account
      Apply for card

      A numberless credit card to protect your data and your money

      The card has no printed numbers. That way, your details are always safe because only you can see them in the BBVA app.

      An extra level of security for your online purchases

      When you buy online, you can instantly generate a dynamic CVV in the app to confirm the payment. Since this security code expires in a few minutes, your money is protected against potential fraud.
      Apply for card

      Pay and even take out cash with just your cell phone. Without touching any buttons

      By avoiding contact, it's a safe way to use your credit card. You just have to add it to BBVA Mobile Pay, Apple Pay, Google Pay or Samsung Pay.

      You also have full control from the app

      • Turn your card on and off

        Can't find your credit card? Turn it off from your cell phone and turn it on when you find it.
      • Check each transaction

        We will send you notifications to keep you up-to-date with your card purchases.
      • Optimize your expenses

        You can change your credit limit and defer your payments directly on your cell phone.
      Apply for the Aqua Credit Card

      You can pay your monthly credit card bill however you like

      With the Aqua Credit Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

      • Full payment: pay your monthly credit card bill on the 21st of the same month or the 5th of the following month.
      • Deferred revolving payment: pay a fixed amount or a percentage of the bill on the 21st of each month, both with interest. You can also do so on the 5th of the following month, although you will have to pay interest on the amount until the payment date.

      And instantly defer payment on a purchase or bill

      The revolving personalized payment lets you defer the payment on any purchase or bill from €50. You can choose from 3 to 6 months (no fee) or from 7 to 36 months (with interest). Calculate your payment in the app or at bbva.es.

      A sustainable, digital card that helps you take care of the planet

      The physical card is made with recycled PVC. If you don't usually carry a wallet with you, you can request just the digital version and pay using your phone. Or use both, whichever you need.

      Are you interested?

      Get the Aqua Credit Card 100% online.

      Apply for card

      Some questions that may come up

      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 first year, the Aqua Credit Card has no issue and maintenance fee. After that, the annual fee will be €43 for the account holder and €35 for any associated cards. 

      In any case, you can save this fee depending on the type of account associated with the card and the number of products you have with BBVA. More information.

      The first year, the Aqua Credit Card has no issue and maintenance fee.

      After this time, this card will be part of the Adiós Comisiones Program, meaning you will have to check the requirements that you will have to meet to waive the issuance fee for one of the Cards you have associated to your account. 

      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 money 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% (minimum €4)
      • 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 money is dispensed. The fee for withdrawing cash on credit at BBVA ATMs in Spain will also be added. 
      • ATMs outside Spain: 5% (minimum €3).

      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 the cash is withdrawn, the corresponding fees will always be displayed on the ATM screen.

       

      With the personalized payment revolving, 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.

       

      Personalized payment example revolving 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.

      You take out the Aqua Credit Card with a limit of €1,500. That same day, for example, May 1, 2020, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay: 

      • The first installment will be for €65.19, which includes only 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% (19.56% NDER).
      • 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%.

      Personalized payment example revolving with fee:

      • Deferral fee: 2.9%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months). 
      • Interest rate: 0% yearly.
      • 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.
      Below are some examples of personalized revolving payment methods with a fee from 3 to 6 months, as they represent the maximum and minimum APRs, respectively. The NIR is 0% in every case

      You take out the Aqua Credit Card with a limit of €1,500.  That same day, for example, May 1, 2020, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay: 

      • 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%.

      If you choose to defer it over 3 months, this is what you will have to pay: 

      • The first installment will be for €586.50 and includes part of the principal, the deferral management fee, which is 2.9% 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 €1,586.50 and the APR will be 41.99%.
      • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,543.50 and the APR will be 19.23%.
      This system specifically applies to each individual settlement for which it has been requested.

      With the deferred revolving payment, you can pay a fixed amount each month or a percentage of your card bill. 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. See if your account contract allows you to waive 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 revolving card simulator of the Bank of Spain to calculate the approximate total amount payable or the final payment date, based on the expense and the payment method selected.

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

      Deferred payment example revolving with fixed payment

      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 €2,096.88 and the APR will be 18.99% (18.99% NDER).

      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. 

      In the case of the Aqua Credit Card, keep in mind that the €43 issuance and maintenance fee (which the bank charges annually) and the minimum monthly repayment percentage (3%) mean that the 48 monthly payments will be different, even if you select a payment of €37.87.

      So if you take out the card and that same day, for example, May 1, 2020, you make a purchase for your full credit limit and decide to pay the bill on the 5th of that month, this is what you would have to pay:

      • 48 monthly payments of different amounts (including principal and interest). 
      • The total amount payable will be €2,191.33 and the APR will be 25.78% (18.99% NDER).

      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.

      The fixed monthly payment may not be less than 3% of the amount spent, shown in the "Credit Card Account" statement before settlement, plus the interest generated during the corresponding monthly settlement period and the relevant fees.

      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 an additional 20%. A 3% fee will be applied to any additional amount that you use (minimum €6 and maximum €12).

      With a debit card, you pay for your purchases immediately with the money in your account. With the credit card, you have a credit limit to buy on the spot and pay when it's best for you: the following month, in installments or with a fixed monthly payment.

      The law requires us to give you this document with the pre-contractual information on the payment services of the Aqua Credit 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.

       

      Are you looking for another type of card?
      To pay for your day-to-day expenses with a debit card or to finance a purchase and pay abroad with complete security with a credit card. We have the card you need.
      See BBVA cards
      Apply
      Offer valid during current month
      1. Cards
      2. Aqua Credit Card

      Footer

      • Other sections

        • Private banking
        • BBVA for young people
        • BBVA Collectives
        • Finances at a glance
          Economic dictionary
          Goodbye fees
        • Security
        • Currency exchange
        • Other BBVA websites
      • Online services

        • Everything from your cell phone
        • Apps
          BBVA Valora
          BBVA Invest
        • Bank Moving Service
        • Payment of debit entries
      • This may be of interest to you

        • Promotions and offers
        • COVID-19 grants
        • Accounts
        • Cards
          Loans
          Mortgages
          Pension plans
          Mutual funds
          Insurance
        • Black Friday
      • Need help?

        Find your nearest branch

        BBVA España Android app

        BBVA España iOS app

         

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A.-2021

      Creating Opportunities