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BBVA Fee-Free Online Account

BBVA Fee-Free Online Account

The BBVA Online Account is a checking account with no fees or conditions, and no obligation to set up direct billing for your salary or bills, while still offering all the benefits of BBVA as if you did. You can now also open it with two account holders.

  • €0 with no account maintenance or administration fees.

  • No debit card issue or maintenance fee.

  • €0 with no fee for cash withdrawal on debit at BBVA ATMs.

  • €0 for online transfers(1)within the EEA.

Become a customer

  • Risk level

    / 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.

Availability

The Online Account is only available for new customers residing in Spain through BBVA.es and the BBVA App.

Cards

The account holder will receive a free debit card. If the account has two account holders, each will receive a free debit card. If you have more questions about the card, you can get answers here.

Two account holders

You can open your Online Account with two account holders directly via the website or the BBVA App. To do so, we recommend that both account holders be present during the registration process, with their respective documents (DNI/NIE) ready and their cell phone at hand so they can sign the contracts via SMS. If you have any other questions, you can find more information here on how open an account with two account holders.

ATMs

No fee for using your card to withdraw cash on debit at over 6,000 BBVA ATMs.

These BBVA ATMs are equipped with very advanced technology that lets you withdraw cash with or without a card; make deposits, pay bills, view your transactions, etc.

If you need more step-by-step information about the most frequently used ATM transactions, click here.

If you want to find the BBVA ATM closest to you, you can use the ATM locator feature and we will tell you how to get there.

View your transactions and statements

Check your transactions and the status of your account from the website, cell phone or tablet. You can also get alerts for card transactions and paycheck deposits, plus a monthly account statement in the mail.

Salary, bills, and payments received

The Online Account allows all types of direct debits. Plus, with a simple picture from the BBVA app, you can change the direct debit payment of your bills or pay your taxes.

Passbook and checkbook

The Online Account does not include a passbook or checkbook.

Note 1: If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee. 

(1) Pay no fees at bbva.es, the BBVA app and ATMs on your transfers in euros, Swedish krona or Romanian leu within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

(2) 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.

Fees Costs
For the Service of Administration and maintenance of the account
€0
Cost for direct depositing of your salary or pension income €0
Card issuance and maintenance fee (for new customers)
€0
Transfers from bbva.es or from BBVA ATMs €0
Card cash withdrawals at BBVA ATMs in Spain
€0
Card cash withdrawals at non-BBVA ATMs in Spain See note 1
Card cash withdrawals at ATMs in foreign countries 4.50% (minimum €3.50)
Implicit overdraft annual interest rate

7.25% NIR(2)

Fee for tacit overdraft

4.50% (minimum amount €15). It is calculated on the maximum debit balance for the account settlement period.(2).


Note 1: If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee.

Note 1: If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee. 

(1) Pay no fees at bbva.es, the BBVA app and ATMs on your transfers in euros, Swedish krona or Romanian leu within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

(2) 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.

Who can contract this account?

If you are 18 years old or older, you are a resident of Spain and you are not a BBVA customer, you can apply for and enjoy all the advantages of this account.

To pay no fees do I need to have my salary directly deposited or pay my bills by direct debit?

You do not need to have your salary direct deposited or pay bills by direct debit to have no fees. The BBVA Fee-Free Online Account does not have any administration or maintenance fees. Also, if you are not a BBVA customer and you open this account, we will include a free debit card with no issuance or maintenance fees for each account holder.

Can I also contract this account at a branch?

The Online Account with no fees is only available for contracting through the Internet or on your tablet or cell phone.

Does this account include any type of debit or credit card?

When you open a BBVA Fee-Free Online Account, you will get an Ahora BBVA debit card. This debit card has no issuance or maintenance fees.

If I only have this account, can I still visit and make use of the BBVA branches?

With the Online Account with no fees from BBVA, you can take advantage of all of the benefits the bank offers you: the services and conveniences offered by our app and website, and of course our branches, ATMs, and advisers as well.

Any more questions?

Find the answers in Your BBVA Guide.

Note 1: If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee. 

(1) Pay no fees at bbva.es, the BBVA app and ATMs on your transfers in euros, Swedish krona or Romanian leu within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

(2) 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.

Online Account Documentation

It is important for you to know and understand the documents required to open this account. You can view them here:

IP Online Account document containing pre-contractual information detailing the conditions binding BBVA and the account holder.

FID Online Account informative document on the fees that apply to use the main services associated with the payment account.


You can view the list of the most representative services associated with a payment account here.

Note 1: If you use your card to withdraw Euros from ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it is charged by the bank that owns the ATM to perform the transaction. Before making a cash withdrawal, the ATM of the owning company will inform the cardholder of the corresponding fee. 

(1) Pay no fees at bbva.es, the BBVA app and ATMs on your transfers in euros, Swedish krona or Romanian leu within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

(2) 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.