Fee-free Young Savers Account

This account has no fees or conditions. In addition, you can:

• Use your account and card for €0 without having to direct deposit/debit your paycheck/bills.
• Save automatically with Saving Rules.
• Withdraw cash at more than 4,500 BBVA ATMs across Spain.
• Send and receive money via Bizum from the app.
• Talk to our AI assistant whenever you need to, 24 hours a day.

You can open it from your cell phone in just a few minutes:

1. Choose whether the account will be just for you or if you will share it with someone else.
2. Verify your identity by taking photos of your ID card/Residence card and a quick video call.
3. Fill in your details and create your login password.
4. Sign the contract with the code you receive via SMS.

There is no penalty. That month you will only receive the amount corresponding to the conditions you have met.

If you don't perform any action one month (for example, you don't use Bizum), that amount won't be added, but you can receive it for the following months.

To participate, you just need:

• You must be 18 or older.
• To become a customer by opening a Fee-Free Young Person's Online Account before 02/24/2026.
• Enter the promotional code PLAN760 during the registration process.

From then on, each time you make use of your account you can accumulate a monthly amount, up to €760 for the first year.

No. There is no minimum term or penalty.

You can use your account with total freedom and stop at any time, without losing the money you have already accumulated.

To bring your paycheck or bills to BBVA you have to follow these steps:

• Open your Fee-Free Online Young Person's Account. You can easily do it online.
• Once you have your account, you can request the service by accessing your private area from bbva.es or the BBVA app.

This is a service that makes all the arrangements for you to transfer your deposits and bills from another bank to your BBVA account. You can also request to transfer the balance and close the other account using a free and simple process in which you decide what you want to bring over.

Once you open your free account, you can request the transfer of accounts from bbva.es, the mobile app or at a BBVA branch.

• Enter the number of the account you want to transfer to BBVA and choose all the options you like: transfer your standing orders; transfer your recurring income and debits; close your other account by transferring the entire balance.
• Specify the date on which you want the transfer to be made. Select a date such that any payment commitments and recurring deposits (salaries, pensions, etc.) will have time to reach the new account.
• The minimum period for completing the process is 15 business days after all the account holders sign the request.
• The balance is transferred from the other bank on the date specified by the customer. It could take a few days for the amount to be deposited in the destination account.
• The transfer process will commence when the request is signed by all the account holders.
• Within 2 days, BBVA will ask your other bank for the details needed to transfer the account.
• Your other bank will have a maximum of 5 days to accept it and send us the information requested.
• Once the information is received, BBVA will have 5 days to set up the standing orders from your old account into your new account and notify the payment issuers of the new account.
• Your other bank will take care of closing the account and transferring the balance to your BBVA account on the date you specify in the request.

We keep you informed of how the process is progressing and, if necessary, we will ask you for additional information through notifications in the My Mailbox section of the website and the mobile app, and also by email.

Download the account transfer sample form

If you are between 18 and 30 years old, you can enjoy the Travel Pack included in your Aqua Debit Card at no extra cost.

This allows you to use your card outside of Spain and save on fees, even on weekends, both when paying and withdrawing money from ATMs.

To avoid fees when traveling, you just need to follow these steps:

• When paying by card in another currency: Always choose the local currency of the country at the POS terminal. After payment, BBVA will refund the exchange rate commission (it may take a little while to appear).
• When withdrawing cash at ATMs: You can withdraw cash at ATMs abroad up to three times a month (in Euros or other currencies) with no fees. If the ATM asks if you want to exchange currency, choose "No" so that BBVA handles the exchange and refunds the withdrawal and exchange rate fees.

Please note that some ATMs may apply their own fees, separate from BBVA, which cannot be refunded.

From the My Promotions section of the BBVA app you can access exclusive travel discounts, including:

• 20% off at Ruralka accommodations.
• 15% off train tickets with Iryo.
• 15% off car rental.
• 5% at travel agencies.

The promotions can change, so it's a good idea to check the app before planning your trip.

In addition to security, the Aqua Debit Card offers advantages designed for everyday use and travel:

No issue or maintenance fee.

Savings on standard fees abroad:

• Fees for paying in currencies other than the euro are refunded.
• Up to 3 fee-free cash withdrawals each month at ATMs abroad.
• Weekends included.

Track expenses from the app, with all your transactions always visible.

Pay with your cell phone or smartwatch, adding your card to Apple Pay, Google Pay, Samsung Pay, or BBVA Pay.

Total flexibility to pay in stores, withdraw cash or use it on a daily basis with no added costs.

From the BBVA App you can:

• Split expenses via Bizum with your friends and family, even if they are not BBVA customers.
• Activate up to 3 virtual Aqua Prepaid cards at no cost, for online purchases by anyone you choose.
• Track your expenses and set savings rules, such as rounding up purchases.
• Manage your subscriptions: If you're no longer using something, pause the payment.
• Access discounts for your trips such as 20% at Ruralka, 15% at Iryo, 15% on car rental, 5% at travel agencies and much more.

Pay no fees at bbva.es, on the BBVA app, and at ATMs for standard or immediate transfers in euros, Swedish krona or Romanian leu (ron) within the European Economic Area.

There are some cases that are not included, such as FMOs, same-day value transfers or those made using magnetic media. In these cases, the corresponding specific fees apply.

Of course. If you ever need it, you can go to any branch in the BBVA network and get help from one of our advisers.

And if you prefer, you can open your bank account, a Fee-Free Young Person's Account, at a BBVA branch with the same advantages as the Fee-Free Young Person's Online Account, where you also won't pay:

• No account administration or maintenance fee.
• No debit card issuance or maintenance fee.