What do I need to open a BBVA bank account?

You only need a valid national ID card or passport. The process is 100% online: you can complete it through the app or at bbva.es without having to visit a branch.

Do BBVA accounts have hidden fees?

At BBVA, we don't charge hidden fees: all our fees are set out in your contract and regulated by the Bank of Spain. With our Online Account, you pay €0 in administration and maintenance fees when managing your day-to-day banking through the app and ATMs (counter service fees apply only if you withdraw small amounts). With linked accounts such as the Salary Account or Va Contigo Account, you won't pay any fees as long as you maintain the agreed minimum income. The only additional charges you may incur are for specific services, such as extra cards, transfers outside the SEPA area or overdraft fees if your balance goes below zero.

Is my money protected if I have a BBVA account?

Yes. BBVA is a member of Spain's Deposit Guarantee Fund for Credit Institutions, which protects deposits of up to €100,000 per account holder, per institution in the event of insolvency. This guarantee is governed by Royal Decree-Law 16/2011 and European Directive 2014/49/EU. BBVA is also supervised by the Bank of Spain and the European Central Bank under the Single Supervisory Mechanism.

How long does it take for the account to become active?

The account is ready to use on the same day you complete the opening process.

Can I open an account without a salary?

Yes. The Fee-Free Online Account has no requirements: no salary, direct debits or minimum balance. It's available to anyone with no conditions.

What's the difference between BBVA's Online Account and Salary Account?

The main difference is that online accounts are 100% digital, have no administration or maintenance fees and have no requirements (you can choose to have your salary paid into the account if you wish), whereas salary accounts generally require you to have a minimum regular income (such as a salary or pension) paid into the account to avoid maintenance fees. In BBVA's case, neither the Fee-Free Salary Account nor the Fee-Free Online Account charges fees, and you can have your salary paid into either account voluntarily without affecting the fee exemption. You can also carry out transactions at a branch with either account.

Can I open an account if I'm a foreign national or a non-resident in Spain?

Yes. You can open an account using a valid passport. For more information about the specific requirements for your circumstances, speak to an adviser through the app or at any of our 1,800 branches.

Can I have multiple BBVA accounts at the same time?

Yes, you can have two or more accounts open at the same time with BBVA , each with its own separate IBAN, and access them all using the same username in the mobile app or on the website. However, you should bear two key conditions in mind: first, the Fee-Free Online Account is reserved exclusively for new customers or first-time digital applications. This means that if you're already a BBVA customer and open a second account, it will generally be subject to the terms and conditions of traditional banking (such as the Va Contigo Account or other current accounts). This means you'll need to meet certain requirements (such as direct depositing your salary, setting up direct debits or maintaining a minimum balance) to avoid maintenance fees on that additional account. Second, if you're looking for a second account purely to organize your spending or set aside savings without incurring extra costs, you can check the options available directly in your app, such as savings sub-accounts like Goals/Savings Rules, or see which additional fee-free accounts the bank offers for your current customer profile.

How can I transfer my account from another bank to BBVA?

Through the Bank Switching Service, completely free of charge. BBVA takes care of transferring your salary payments, direct debits and any other transactions linked to your previous account, without you having to contact your old bank or do anything yourself.

What is the minimum age to open an account?

From birth. Children aged 0 to 17 can have the Online Account for Minors, managed by their parents or legal guardians, with access to the app and Bizum gradually introduced from the age of 12. From the age of 18, you can open any account independently, including the Youth Online Account, available until you turn 29.

Can I manage my account entirely from my mobile without visiting a branch?

Yes. With the BBVA app, you can make transfers, set up Bizum, set up direct debits, check transactions, manage your card and take out additional products without having to visit a branch.

Which card comes with each type of account?

All accounts include a debit card with no issuance or maintenance fees. The card model varies depending on the product: Online Account – Aqua Debit Card Salary Account - Aqua Debit Card Children's Account – Aqua Debit Card Youth Account - Aqua Máxima Debit Card Savings Pack - Aqua Debit Card

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

Open your checking account in minutes, with no paperwork. No administration or maintenance fees, with Bizum, instant transfers and access to over 4,500 ATMs in Spain.

Fee-Free Online Account
For whatever you want, free of charge

€0 for administration and maintenance of the account, without conditions.
€0 for issuance and maintenance of the Aqua Debit Card.

You can get up to €760 during the first year just by using your account, and if you bring your savings too, you'll get up to €1,060!

Enter this code when you open your account before 1/11/2027.

Copy code PLAN1060

Or would you rather get €150 back this Black Friday?

We will refund you up to €150 of the purchases you make with your Aqua Debit Card during the 30 days after you sign up. You need to have Bizum enabled to receive the refund.

Enter this code when you open your account before 12/1/2026.

Copy code TARJETA150
Become a BBVA customer

Online Account
Fee-free Young Savers Account
Get €150 back on your Black Friday purchases

€0 for administration and maintenance of the account, without conditions.
€0 for issuance and maintenance of the Aqua Debit Card.
€0 fees on your trips abroad, including weekends.
We'll also give you up to €150 back on purchases made with your Aqua Debit Card during the 30 days following registration. You must have Bizum activated to receive the cashback.

Enter this code when you open your account before 12/01/2026

Copy code TARJETA150
Become a BBVA customer

See the Joven Account
To grow as a family
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.

From the age of 12, after activating the BBVA app adapted to their age, they will be able to receive Bizum payments and the Automatic allowance.
Open your account

See Account for Minors
To start making the most of your income
Fee-Free Salary Account

€0 for administration and maintenance of the account, without conditions.
€0 for issuance and maintenance of the Aqua Debit Card.

You can get up to €760 during the first year just by using your account and, if you bring your savings too, you'll get up to €1,060!

Enter this code when you open your account before 1/11/2027:

Copy code PLAN1060
Become a BBVA customer

See Salary Account
To make progress towards your goals
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

Accounts for self-employed workers and companies

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

Are you self-employed? You can get up to €1,060 if you direct debit your self-employment contributions and bills, use your card and Bizum, and maintain an account balance of more than €10,000 for one year.

Do you own a company? We'll pay you up to €720 for opening an Empresas Bienvenida Account and direct debiting your taxes and/or social security.

See accounts
Pago Básica Account

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

You have the bank in your cell phone to save, take out products and set up direct debits.
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 available, from the app or at one of our 1,800 branches.

You will have full control of your money

Instant transfers and Bizum at no cost.

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

Cash deposits and withdrawals at any of our 4,500+ ATMs.

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

Security in all your payments.

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

The BBVA app for non-customers

Did you know that you can explore the BBVA app without being a customer and enjoy all its advantages?

More information

Rankia recognizes BBVA as the Best Bank in Spain 2025

Awarded for Online Account and Salary Account

Steps for opening a bank account

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We explain what you need to do to sign up as a BBVA customer online and open a bank account.

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Find out what a bank statement is, what information it includes, what it's used for, and how to request it online or at a branch. How to get old statements.

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Bank Accounts from a major bank

Save with bank accounts for €0

Fee-Free Online Account

Fee-free Young Savers Account

To grow as a family

To start making the most of your income

To make progress towards your goals

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

Instant transfers and Bizum at no cost.

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

Cash deposits and withdrawals at any of our 4,500+ ATMs.

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

Security in all your payments.

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.

The BBVA app for non-customers

Rankia recognizes BBVA as the Best Bank in Spain 2025

Get more from your bank

Steps for opening a bank account

Requirements for opening an account from bbva.es

Bank statement: what it is, what information it contains, and how to request it

Some questions that may come up