Online accounts without fees

Find the account that suits you best and enjoy all the benefits of BBVA, without setting up direct billing for your salary or bills

  • For people under 30

Risk level


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.

BBVA Online Account With No Fees

Open your online account and forget about fees. And now you can also open it with two account holders.


Get €100 with Plan C

Sign up as a customer by opening your Online Account and have your paycheck of at least €800 paid into your account. Uses the promotional code PLANC.

Promo module:: Plan C

Promotion valid until July 31, 2018, or until 15,000 new accounts are opened that are eligible for discounts and have a 12-month minimum contract. View terms and conditions here.

  • Free transfers(1) to any bank, from any device.
  • No administration or maintenance fees for your account.
  • Free cash withdrawals at over 6,000 BBVA ATMs.

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(1) (*) At there is no fee for transfers made in Euros, Swedish Krona, or Romanian Leu within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Excludes electronic transfers, emergency transfers, Fund Movement Orders (FMOs), Value Day transfers, and instant transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

Payments not directly debited

You will be able to pay all your bills that are not direct debited quickly and easily by charging them to your BBVA account or to one of your cards.

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Direct debit your bills at BBVA

It's fast, easy and free of charge. Direct deposit your bills at BBVA and enjoy all the benefits offered by our bank.

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Account overdraft facility

The peace of mind you need in unexpected situations when you have an insufficient balance in your account.

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Related links

IBAN code calculator

Calculate the IBAN code for any account with the BBVA calculator.

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BBVA Mobile

Learn about the BBVA apps for your cellphone. Manage your accounts and cards from your cell phone, receive notifications and enjoy promotions.

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