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BBVA Va Contigo Salary Account

BBVA Va Contigo Salary Account

If you're looking for an account for your day-to-day transactions and you want the help of an adviser and their team, this is the no-fee salary account for you, provided you meet one of the following the requirements: direct deposit your paycheck (from €800) or receive income via transfers or checks that total at least €2,500 per quarter (1).

  • €0, with no administration and maintenance fee for your salary account.

  • No debit card issue or maintenance fees.

  • No fee for withdrawing cash on debit at BBVA ATMs.

  • No fees for online transfers within the EEA. (2).

  • Just for direct depositing a paycheck of at least €800, your adviser and their team will be available to help you with whatever you need.

  • Get paid when you want by getting an advance on your paycheck whenever you need (3).

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  • 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.

Main advantages

The BBVA Va Contigo Account is the salary account that helps you in your day-to-day life and in the important decisions:

1. Personal adviser and management team: to do your banking and answer your questions with simple tools for easier and faster communications through the app or from bbva.es.

2. Get paid when you want: This service lets you get your paycheck before it's deposited. It works likes a loan: we deposit your paycheck in advance (up to €5,000) and you have up to 6 months to pay it back.

3. overDraft service: The overDraft Service gives you peace of mind to deal with payments that may come up when you don't have enough balance in your account.

4. Mi Segunda Cuenta: if you have a BBVA Contigo Account, you can open a fee-free Mi Segunda Cuenta. Use it to share expenses, for your purchases or for whatever you need.

For more information on the advantages of the Va Contigo account, click here.

Availability

You can open a Va Contigo Account at: bbva.es, the BBVA app and branches. Enjoy the services and facilities offered by our mobile application, the website and, of course, all our branches and ATMs. Find your closest branch and ATM.

For new customers

If you are thinking about opting for this salary account, remember that you can do so in the following ways:

If you are resident in Spain

  • Website or tablet: Through a simple process that takes between 9 and 14 minutes, you can become a customer and have your salary account active in a few days. Remember that you must submit (or attach during the application process, via email or a messenger who will come to your home) the required documentation (photocopy or scanned DNI). If you open an account with two account holders, you will need to submit the documentation for both account holders. If you have questions or want more information, you can get all the details here.
  • Cell phone: If you have an iPhone or Android phone, you can become a customer and start using your account today. If you wish, you can also sign up as a new customer on the BBVA app.
  • Office: Can come to any of our offices for open your Account Goes With you. Remember to bring your ID document (DIE, IE, NIF) with you.

If not are living in Spain

  • Office: Can come to any of our offices for open your Account Goes With you. Remember to bring your ID document (DIE, IE, NIF) with you.

Card

If you are not yet a customer, when you open a Va Contigo Account, you'll get a BBVA Ahora debit card. This debit card has no issuance or maintenance fee, provided the conditions explained below are met. 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.

If you are already a customer, when you open a Va Contigo Account, you have the option of taking out a BBVA Ahora debit card. This debit card has no issue or maintenance fees as long the terms and conditions of the account are satisfied (see "Terms and Conditions" section).

Two account holders

If you are not yet a customer, you can open your Va Contigo Account with two account holders directly on the BBVA website or app. To do this, we recommend that both account holders are present during registration and that they have the necessary documents with them (ID Card/Non-national ID Card), as well as their cell phone in order to sign the contracts via SMS. If you have any other questions, you can get more information here on how to open an account with two account holders.

If you are already a customer, you can open a BBVA Va Contigo Account with two account holders when you sign up for the product. These account holders must also be BBVA customers and must have all of their documentation completed and in order.

ATMs

This salary account offers fee-free debit card cash withdrawals at over 6,000 BBVA ATMs.

BBVA ATMs feature the latest technology and, in addition to card and cardless withdrawals, you can deposit money, 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

See your transactions and your salary account status from your computer, smart phone or tablet.

You can also receive notifications by email about your card transactions and salary deposits as well as your monthly statement.

Passbook and checkbook

The Va Contigo Account does not include a passbook or checkbook. If you need a check book, ask for one in your branch.

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) The previous calendar quarter or the completed months of the current quarter are taken into account. Example: To satisfy the conditions for June, for example, we consider the previous calendar quarter (Jan+Feb+Mar) on the one hand, and the two previous completed months of the current quarter (Apr+May) on the other. If any of the two periods fulfills the sum of transfers + payment of checks higher than €2,500, the account satisfies the conditions in June. 

(2) 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. 

(3) Granting subject to approval by BBVA. 

(4) Through a single transfer. The conditions must be satisfied in at least two of the four months before the current month. Example: In June, the conditions for February, March, April and May will be checked. 

(5) APR: 00.0% calculated if the account requirements are met. APR: -1.99% if the requirements are not met (as long as there is a daily balance of at least Euros 3,000 for one year). 

(6)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.

To enjoy your no-fee BBVA Contigo Account, you must meet at least one of the following requirements. You have 4 months from the time the account is opened to start satisfying the conditions:

Option 1: Direct deposit paycheck

Direct deposit your paycheck for an amount of at least €800 (4).

Option 2: Direct deposit your pension or unemployment benefit

Direct deposit your pension or unemployment benefit from €300 (4).

Option 3: Quarterly income

Have a quarterly income of €2,500 or more from transfers or check deposits credited to your account.

Example: María receives a €1,500 transfer on 10 January. On February 5, an €800 check is deposited into her account for English classes. Then, on March 15, she sells her computer and a €300 transfer is made to her account. When her Va Contigo account is checked in June, we see that María has satisfied the conditions, since she received a total of €2,600 in the previous quarter.

Option 4: Average Monthly Balance

One of the account holders must be shown as the primary account holder for financial products whose total average monthly balance is at least €60,000. The financial products that are considered and the amount that BBVA will use at the end of each day for this calculation are:

- Current, savings and term deposit accounts: credit balance.

- Investment Funds, Pension Plans, Unit Link: net asset value

- Securities accounts: cash value

- BBVA ISSPs, BBVA Europlazo, BBVA Annuities, BBVA Guaranteed Annuities, BBVA Variable Annuities, BBVA Deferred Annuities, BBVA Guaranteed Benefit Plan Annuities and BBVA Accumulated Guaranteed Benefit Plan: balance after tax withholding.

This requirement must be met during at least two of the four calendar months prior to the one before the current month. For example, in the month of June, the months of January, February, March and April are checked.

Option 5: Shares:

Keep a minimum of 1,000 BBVA shares in a single securities account, which must be paid into the account by direct debit.

This requirement must be met during at least one of the two calendar months directly before the current month. For example, in June, the months of April and May are checked.

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) The previous calendar quarter or the completed months of the current quarter are taken into account. Example: To satisfy the conditions for June, for example, we consider the previous calendar quarter (Jan+Feb+Mar) on the one hand, and the two previous completed months of the current quarter (Apr+May) on the other. If any of the two periods fulfills the sum of transfers + payment of checks higher than €2,500, the account satisfies the conditions in June. 

(2) 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. 

(3) Granting subject to approval by BBVA. 

(4) Through a single transfer. The conditions must be satisfied in at least two of the four months before the current month. Example: In June, the conditions for February, March, April and May will be checked. 

(5) APR: 00.0% calculated if the account requirements are met. APR: -1.99% if the requirements are not met (as long as there is a daily balance of at least Euros 3,000 for one year). 

(6)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.

The account fees are settled every six months. If during that period you satisfy the conditions and there are no overdrafts on your account, you will not be charged any fees:


Fees Costs
Account maintenance
€0 if conditions satisfied (€60/year otherwise) (5)
Account administration
€0 if conditions satisfied (€0.6 per transaction otherwise)
Card issue and maintenance fee (Now or Later)
€0 if you meet the conditions (€28/year Ahora Card or €43/year Después Card if you do not meet the conditions)
Transfers from bbva.es, BBVA app and ATMs
€0 (2)
Cash withdrawal on debit using card at BBVA ATMs in Spain
€0
Cash withdrawal on debit using card at non-BBVA ATMs in Spain See Note 1
Cash withdrawal on debit using card at ATMs abroad 4.50% (minimum €3.50)
Implicit overdraft annual interest rate
7.25% (NIR)(6)
Fee for tacit overdraft

4.50% (minimum fee of €15). Calculated based on the maximum balance owed during the account settlement period. (6)

Tacit overdraft adjustment fee
€0 if not over €18. From €18.01, the adjustment fee is €30.
Issuing checks in Euros €0 if conditions satisfied (0.5%/nominal check. Minimum of €18.03 if you do not meet the conditions)

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) The previous calendar quarter or the completed months of the current quarter are taken into account. Example: To satisfy the conditions for June, for example, we consider the previous calendar quarter (Jan+Feb+Mar) on the one hand, and the two previous completed months of the current quarter (Apr+May) on the other. If any of the two periods fulfills the sum of transfers + payment of checks higher than €2,500, the account satisfies the conditions in June. 

(2) 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. 

(3) Granting subject to approval by BBVA. 

(4) Through a single transfer. The conditions must be satisfied in at least two of the four months before the current month. Example: In June, the conditions for February, March, April and May will be checked. 

(5) APR: 00.0% calculated if the account requirements are met. APR: -1.99% if the requirements are not met (as long as there is a daily balance of at least Euros 3,000 for one year). 

(6)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 have 18 years and are living in Spain, can contract this account so much in offices as in bbva.es or in the BBVA App. If not are living in Spain, owe come to one of our offices for open your account.

Can I direct deposit my paycheck?

To enjoy a fee-free Va Contigo Account, you need have your paycheck, pension or unemployment benefit direct deposited into the account, or make other deposits (see "Terms and Conditions"). 

Can I direct debit bills?

You can direct debit bills, but this is not required for a fee-free account.

Can I also contract this account at a branch?

Yes, you can open a Va Contigo Account in-branch. Find your nearest one.

Does this account include a debit or credit card?

If you are not yet a BBVA customer, you will receive a BBVA Ahora debit card when you open a Va Contigo Account.

If you are already a customer, when you open a Va Contigo Account, you have the option of taking out a BBVA Ahora debit card. This debit card has no issue or maintenance fees as long the terms and conditions of the account are satisfied (see "Terms and Conditions" section). You can also link other BBVA cards to the account.

What happens if an account holder has more than one card?

If you satisfy the account conditions, the fee for the card with the highest annual fee will be waived.

If during the current calendar year the fees for another card associated with the account were already waived for the holder, he/she will have to pay the fee for the new associated card.

The issuance fee can be waived for the following cards: BBVA Negocios Credit, BBVA Negocios Debit, BBVA Ahora, BBVA Después, BBVA Ahora Blue, BBVA Después Blue, Ábaco, Tarjeta 7 and Colectivos cards.

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

The Va Contigo Account gives you access to all the benefits offered by the bank; the services and features provided by our application, website and, of course, by all of our branches, ATMs and advisers.

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) The previous calendar quarter or the completed months of the current quarter are taken into account. Example: To satisfy the conditions for June, for example, we consider the previous calendar quarter (Jan+Feb+Mar) on the one hand, and the two previous completed months of the current quarter (Apr+May) on the other. If any of the two periods fulfills the sum of transfers + payment of checks higher than €2,500, the account satisfies the conditions in June. 

(2) 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. 

(3) Granting subject to approval by BBVA. 

(4) Through a single transfer. The conditions must be satisfied in at least two of the four months before the current month. Example: In June, the conditions for February, March, April and May will be checked. 

(5) APR: 00.0% calculated if the account requirements are met. APR: -1.99% if the requirements are not met (as long as there is a daily balance of at least Euros 3,000 for one year). 

(6)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.

Documentation Account Goes With you

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

IP Account Goes With you document with the information pre-contractual, that specifies the conditions between BBVA and the account holder.

FID Account Goes With you document informative on the fees applied for the use from main associated services to the account fee-paying.


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) The previous calendar quarter or the completed months of the current quarter are taken into account. Example: To satisfy the conditions for June, for example, we consider the previous calendar quarter (Jan+Feb+Mar) on the one hand, and the two previous completed months of the current quarter (Apr+May) on the other. If any of the two periods fulfills the sum of transfers + payment of checks higher than €2,500, the account satisfies the conditions in June. 

(2) 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. 

(3) Granting subject to approval by BBVA. 

(4) Through a single transfer. The conditions must be satisfied in at least two of the four months before the current month. Example: In June, the conditions for February, March, April and May will be checked. 

(5) APR: 00.0% calculated if the account requirements are met. APR: -1.99% if the requirements are not met (as long as there is a daily balance of at least Euros 3,000 for one year). 

(6)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.