Make your purchases more secure

  • 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 split the payment of any purchase of more than €50, or even your entire monthly card bill, 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. If you manage several people's expenses, do so with 3 virtual, no-cost prepaid Aqua cards to organize the purchases of your partner, your children or anyone you want.

Looking for a card like this one?

A card that protects your money and lets you pay for purchases conveniently

Now you know the basics, let's tell you the detail

Save with all these advantages

  • On your subscriptions

    Get 10% back on your subscriptions to Netflix, Spotify, Disney Plus, PlayStation Plus, DAZN, Glovo Prime, Amazon Prime and HBO Max.

    What if you have a lot of subscriptions? Pay them all with the Aqua Máxima card because we'll give you back up to €100 on all your subscriptions every year.

  • On your trips

    We will refund the fees:

    • For taking money out at ATMs outside Spain.
    • For paying for purchases in a currency other than the euro.

    Because the Premium Travel Pack (valued at €179.88 euros a year) is included.

  • When managing your expenses

    Organize the online purchases of your partner, your children, or whoever you want, with up to 3 virtual prepaid Aqua cards with no issuance or maintenance fee.

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.

  • 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.

  • 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). We will refund the fee thanks to the Premium Travel Pack included with the card.
    • If you choose credit, there is a fee of 5% (€3 minimum). We will refund the fee thanks to the Premium Travel Pack included with the card.

How does the single payment with a credit card work?

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

  • You have a credit limit

    You have a certain amount of credit available on your card depending on your credit limit.

  • 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.

  • You pay at the end of the month

    The settlement period starts on the first business day and ends on the last business day of the month.

    On the last day of each month, a bill is issued for the total of all the payments you made with your card during this period.

    You can pay the bill on the 5th of the following month.

Interest or fees for deferred payments

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

    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 Máxima Credit Card with a limit of €1,500 and that same day, for example, April 14, 2024, 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 €14.20.
      • The next 11 installments will be for €151.53, and will include principal and interest.
      • The total amount payable will be €1,681.03 and the APR will be 23.79%.

    Example of personalized payment with fee:

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

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

    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 Máxima Credit Card with a limit of €1,500 and that same day, for example, April 14, 2024, 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 finance 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 18.84%. 
      • If you choose to finance 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 and the APR will be 19.75%.
      • 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 20.09%.

    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 22.02%.

    IMPORTANT: With the settlement system of the Aqua Máxima 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, April 14, 2024, 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 €2,072.24. The APR will be 21.53%.

You now know everything about the Aqua Máxima card

The perfect card to pay for your purchases easily and securely. Are you interested?

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