Fee-free online accounts

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

  • Are you self-employed?

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 Fee-Free Online Account

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

  • Free transfers(1) to any bank, from any device.
  • No account administration or maintenance fees.
  • Fee-free credit and debit card cash withdrawals at over 6,000 BBVA ATMs.

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(1) (*) At bbva.es 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.

Your BBVA Guide

Find the answer to other questions about accounts, cards, ATMs and more in Your BBVA Guide.

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Direct debit your bills at BBVA

It's fast, easy and free of charge. Direct debit 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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Basic Payment Account

Everyday operations such as depositing and withdrawing cash, setting up direct debits and standing orders and transferring money.

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