Fee-Free Online Account
No fees and up to €760 for you!
- You will have your card and account for €0, with no conditions.
- And you get up to €760 during the first year just for opening and using your No-Fee Online Account.
Enter this code when you open your account before 7/4/2026:
Last few days!
Extra money that comes in very handy
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+€120 with Bizum
Send money or make payments with Bizum and earn up to €10/month.
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+€120 with your card
Pay with your Aqua Debit Card and earn up to €10/month. -
+€120 for your bills
Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month. -
+€400 for your paycheck
Direct deposit your paycheck of at least €800 and earn €33.33/month.
That you have everything ready to start
We'll show you how to start using your account and card right away.
We'll bring over whatever you have in other banks and your direct debits, free of charge.
You have the most complete Bizum service at no cost.
If you have any questions, you can ask our team or your virtual assistant.
That you can pay securely...
Your card has a dynamic CVV that is generated with each purchase.
If someone looks at your screen, discreet mode is activated to protect your data.
You can pay faster from the app's home screen, with your face or fingerprint.
If we detect an unusual charge in your account, we will notify you immediately.
Now, travel lighter with your BBVA card
Forget about cash, pay in any currency up to €300 a month with no fees.
And if you’re under 30, get unlimited payments and up to 3 fee-free cash withdrawals at ATMs worldwide, even on weekends.
With your Aqua Más, you'll pay 2% less
Because it's very BBVA to move forward with you
Give your finances a workout with our Financial Coach and achieve your goals.
Organize your shared expenses with a Second Fee-Free Account.
Use BBVA Valora to find out whether it's better to buy or rent.
Keep the whole family connected with the Account for Minors.
And all this with no fees or conditions
Fee-Free Online Account
No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).
Aqua Card
The account includes a debit card with no issuance and maintenance fee for each holder.
For transfers
From bbva.es, the BBVA app or ATMs within the European Economic Area.
For withdrawing cash
Withdraw cash on debit at more than 4,500 ATMs and 1,800 BBVA branches in Spain.
So you can open it in just a few steps
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Choose whether the account is for you alone or you will share it with someone else.
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Take photos of your ID card/Residence card and confirm your identity by video call.
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Enter your details and create your login password.
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Sign the contract with the SMS you receive.
Selected as the best bank in 2025
Get more from your bank
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Steps for opening a bank account
Te contamos cómo y dónde abrir una cuenta bancaria paso a paso y qué requisitos son necesarios para contratarla. -
Requirements for opening an account from bbva.es
We explain what you need to do to sign up as a BBVA customer online and open a bank account. -
How do I change my bank account to a different bank?
Discover how to switch banks with BBVA's Bank Switching Service, whether you want to transfer your account or your income and payments.
Do you want to view the account documentation?
Some questions that may come up
Account documentation
It is important for you to know and understand the documents we make available to you before opening this account. You can view them here:
- IP Online Account and installment payment service: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.
- FID Online Account: information document about the fees applied for using the main services associated with the payment account.
- You can view a list of the most representative services associated with a payment account.
- IP Aqua Debit Card: document with the pre-contractual information detailing the conditions of the debit card that includes the account.
Authorized overdraft fees
If you have an overdraft on your account, such as when a bill is due and your balance is insufficient, the following fees will apply:
- Annual interest rate for authorized overdraft. 7.25% NIR.
- Fee for authorized overdraft in the account: 4.50% (minimum amount €15).
The APR resulting from the application of borrowing interest and the overdraft fee is legally restricted for "consumers" and cannot be more than 2.5 times higher than the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.