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.

Fee-Free Online Account

Get up to €760 for using your Online Account

Earn money for what you do every day with an account: send a Bizum, shop with the card, pay a bill or receive your paycheck. The more you use it, the more you earn!

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

Copy code PLAN760

How it works

What do you need?

BBVA makes it easy for you

You will have the Fee-Free Online Account and your Aqua Debit Cards for €0, with these benefits from day one.
  • If you want, we will transfer over any accounts or income you have at other banks.
  • There are no fees to withdraw money from BBVA ATMs in Spain, and you can also save when you travel.
  • You have the most complete Bizum and you can make instant transfers at no cost.

Open a Fee-Free Online Account with €760 the first year

No account administration or maintenance fees. 0% NIR 0% APR (assuming a positive daily balance for one year). It includes a debit card with no issue or maintenance fee.

If you're young, you get even more advantages

With the Young Person's Account, you get the Aqua Máxima Debit Card, with no fees anywhere in the world and no limit on the amount. You'll also get unlimited data on your phone with Holafly's eSIM, along with many other advantages.

See the Joven Account

Financial coach

Get your finances in shape

With the help of artificial intelligence, we analyze your situation and support you in reaching your goal, as if you had a personal trainer by your side.

Blue

With someone to guide you

Blue is our artificial intelligence assistant and is available to help you with whatever you need, anytime and any day.

Quick payments

And pay faster

To use Bizum and access your cards on the app's home screen, you just need to identify yourself using your face or fingerprint. It's that easy.

Discreet mode

No prying eyes

If you are using the app and someone else looks at your screen, the smart discreet mode will detect this and hide your data.

For your new plans

What if we get to know each other a little better?

Sign up and explore the BBVA app without being a customer. This way you can get to know us, with no commitment.

While we continue learning

In 'Learning together 2030', we give a voice to the brightest minds, who share their inspiring stories to change the world.

Can we help you?

Sustainability information

Regulation 2019/2088 on sustainability‐related disclosures in the financial services sector.

Take part in this draw for 300 Amazon checks of €100 while you enjoy the summer. Just for using the app!

If you're thinking about transferring your fund to BBVA, go all in

Because when you transfer a fund from another bank, you will get 2% of the amount as a bonus.

Protect yourself from fraud

Types of malware and how to get rid of it

Sustainability at BBVA

Solutions for your commitment to the environment and social development.

See what BBVA can do for you