What is a bank or checking account?

A checking account is a financial account that is used to carry out the various day-to-day banking operations, such as depositing money, paying for a purchase or withdrawing cash at ATMs. Other banking products such as cards or insurance may be associated with a bank account.

How does a checking account work?

Once you open an account, the funds you have entrusted to BBVA in a deposit will be registered in the account designated for you. You can withdraw these funds whenever you wish. The financial transactions that occur in your checking account over a certain period will be reported to you in a bank statement, called an account status. This document will show the balance of your accounts and loans to let you know how much you have.

What types of bank accounts are there?

BBVA has several types of checking accounts: Checking accounts, such as the Cuenta Online sin Comisiones . Accounts for your salary, such as the No-Fee Salary Account . Accounts for young people, such as the Young Person's Online Account and the Young Person's Salary Account .

What are the requirements for opening and maintaining a checking account?

There are two requirements you must meet in order to open a checking account: Be 18 years or older. Be a resident of Spain (and thus have a DNI or TIE card number).

Which bank account is right for me?

It always depends on your needs and goals. You can use it to share expenses, save or manage your income and make payments more efficiently. Some bank accounts focus on one or more of these goals.

How to open a checking account?

You have to satisfy a series of requirements to become a BBVA customer and open an online account, whether through BBVA.es (on a computer, tablet, or mobile) or the BBVA app (for iOS and Android). More information

What are the differences between a savings account and a checking account?

A checking account is the most common type of account. It can be used for a wide range of banking operations, from making transfers to third parties to checking your banking activity. You can also direct deposit income and direct debit bills. In most cases, there is a debit card associated with it. A savings account is a type of bank account that offers small returns to customers on the savings deposited in the account. Unlike a checking account, income and bills cannot be direct deposited/debited, and there is no card associated with it to make payments. More information

Can I add a second holder to my bank account?

Yes, it's possible. You can open a joint account or add a second holder to your bank account. We explain how to do it here .

Is there a fee for online transfers?

On bbva.es, the BBVA app and at ATMs, pay no fees for transfers in euros, Swedish krona or Romanian Leu (ron) within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

What happens if I have an overdraft?

Overdraft fees are as follows: Annual interest rate for authorized overdraft. 7.25% NIR. Salary account overdraft fee: 4.50% (minimum amount €15). Account overdraft fee: €0 if not over €18. From €18.01 up, the management fee is €30. The APR resulting from the application of borrowing interest and the overdraft fee is legally restricted for "consumers" and cannot be more than 2.5 times higher than the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.

RISK LEVEL

1/6

This number indicates the product risk, with 1 / 6 representing the lowest risk and 6 / 6 representing the highest risk.

BBVA is affiliated with Spain's Deposit Guarantee Fund for Credit Institutions. The maximum amount guaranteed is €100,000 per person for the total of all deposits established at BBVA.

Bank Accounts from a major bank

At BBVA you can open a checking account with no fees or conditions for your usual transactions. But you will have a whole bank to boost your money and move forward towards your goals.

Save with bank accounts for €0

Millions of people do not pay fees at BBVA. Join them.

Fee-Free Online Account

€0 for administration and maintenance of the account, without conditions.

€0 for issuance and maintenance of the Aqua Debit Card.

Get up to €760 just for using your account. During the first year, you could earn up to €63.33 a month for doing the usual things with your account: Bizum, shopping with the card, paying a bill or getting your paycheck. You could get up to €760!

Enter this code when you open your account before 01/08/2026:

Copy code PLAN760
Become a BBVA customer

Online Account
Fee-Free Salary Account

€0 for administration and maintenance of the account, without conditions.

€0 for issuance and maintenance of the Aqua Debit Card.

Get up to €760 just for using your account. During the first year, you could earn up to €63.33 a month for doing the usual things with the account: Bizum, shopping with the card, paying a bill or getting your paycheck. You could get up to €760!

Enter this code when you open your account before 01/08/2026:

Copy code PLAN760
Become a BBVA customer

See Salary Account
Online Account for Minors 0 to 17

€0 for administration and maintenance of the account, without conditions.

€0 for issuance and maintenance of the Aqua Debit Card.

Adapted app and Bizum from the age of 12.

Do you want to start the school year with an extra €30?
Open your Online Account and theirs to get up to €30 extra in savings during the first three months. You just have to deposit €5 to €10 a month and we'll double that amount.

Promotion valid until 10/31/2025.

Use this code when opening your account:

Copy code AHORRO30
Become BBVA customers

See Account for Minors
Fee-free Young Savers Account

€0 for administration and maintenance of the account, without conditions.

€0 for issuance and maintenance of the Aqua Máxima Debit Card.

Pay and withdraw money without fees, with no limit on the amount, anywhere on Earth—even on weekends.

Enjoy unlimited data on your phone with Holafly's eSIM. Y llévate un 10% de devolución en suscripciones como Netflix, DAZN y muchas más.

Limited edition only for the first 15,000 registrations under 35 years old.
Become a BBVA customer

See the Joven Account
Fee-Free Senior Account

€0 account administration and maintenance fees.

€0 for issuance and maintenance of the Aqua Debit Card.

Team of Advisers that will assist you personally whenever you need it.

Servicio Cambio de Banco: we will manage the change of your pension to BBVA for you.
Become a BBVA customer

See Senior Account
Savings Pack: Online Account + Goals Account

€0 account administration and maintenance fees, with no conditions.

€0 for issuance and maintenance of the Aqua Debit Card.

The BBVA app has automatic rules that make saving money effortless.
Become a BBVA customer

See Savings Pack
Fee-Free Online Account + Repsol más Visa Debit Card

€0 account administration and maintenance fees, with no conditions.

€0 for issuance and maintenance of the Repsol Más Visa Debit Card.

5% discount in stores, lubricants, washes and Blue + Repsol, Campsa and Petronor gas stations.
Become a BBVA customer

See Repsol Debit Pack

A bank account that's right for you?

If you have a business, you can start at BBVA easily and with zero fees on regular services.

What do you think about €720 in savings? Pay your self-employed worker's payment, your taxes and/or social security by direct debit from your account to obtain it.

See accounts
If you have a passport or red card, you can open an account to withdraw cash, pay bills, make deposits and transfers.

See account

Whichever one, you can activate it instantly

With advice

We will guide you in the app to unlock your checking account's full potential.
Always in your hand

The bank in your cell phone to carry out procedures, save or take out products.
Helping you with transfers

We'll bring what you have in other banks to BBVA, so you don't have to worry about anything.
And experts available to help you

There is an expert team to speak to, from the app or at our branches.

You will have full control of your money

Expenditure management and automatic savings rules to take care of and boost your money.

Overdraft service with your authorized limit to operate without funds in your account.

Payment deferral service so you can pay when it's best for you.

And in your plans, we’ll do the numbers with you

Discover the value of a house, or whether it is better to buy than rent.
Find out more
Find out about your gasoline cost per year or your consumption for a trip.
Find out more
Calculate your net monthly or gross annual salary.
Find out more
Calculate the IBAN to make international and national transfers.
Find out more

If you prefer, you can gradually get to know us

Try the BBVA app without being a customer. All you have to do is register in a few easy steps and without obligation to use the most important features.

More information

Bank Accounts from a major bank

Save with bank accounts for €0

For whatever you want, free of charge

To start making the most of your income

For the first steps with your money

To travel around the world without fees

To obtain advantages for your pension

To make progress towards your goals

To save on fuel

A bank account that's right for you?

Accounts for self-employed workers and companies

Pago Básica Account

Whichever one, you can activate it instantly

With advice

Always in your hand

Helping you with transfers

And experts available to help you

You will have full control of your money

Expenditure management and automatic savings rules to take care of and boost your money.

Overdraft service with your authorized limit to operate without funds in your account.

Payment deferral service so you can pay when it's best for you.

And in your plans, we’ll do the numbers with you

Discover the value of a house, or whether it is better to buy than rent.

Find out about your gasoline cost per year or your consumption for a trip.

Calculate your net monthly or gross annual salary.

Calculate the IBAN to make international and national transfers.

If you prefer, you can gradually get to know us