Mi Segunda Cuenta account

Mi Segunda Cuenta account

If have an Account Goes With you and need a second account for share your expenses or for your purchases... This is the account for you! You can open as many as you need, with no fees.

  • 0€ without administration fee and maintenance of the account.

  • 0€ without fee of issuance and maintenance of your debit card .

  • 0€ without fee for cash withdrawal debit in more than 6,000 BBVA ATMs.

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

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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.


My Segunda Cuenta is contractible for living in Spain through bbva.es and of the BBVA App


When you open My Segunda Cuenta, you have the option of getting a new debit card with no issue or maintenance fee. Learn more about BBVA cards here.

Two account holders

If you already have a Va Contigo Account, you can open My Segunda Cuenta, also with two account holders, when you open the account. Remember that if you are going to open the account through bbva.es or the BBVA app, both account holders have to be BBVA customers and have all their forms filled out and approved. Would you like to learn how to open an account with two account holders?


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.

Salary, bills, and payments received

Mi Segunda Cuenta allows all kinds of direct deposits and debits (paycheck, bills or charges). And now, with a simple picture from the BBVA app, you can change the direct debit payment of your bills, pay your taxes or direct deposit your paycheck.

(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 those made using magnetic media, FTOs (Funds Transfer Order), instant transfers and same-day value transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

To enjoy your Mi Segunda Cuenta, you just need to have an active Va Contigo Account. You simply need to have a Va Contigo Account in the month before the settlement date.

Fees Costs
For the Maintenance service of the account
0€ fulfilling conditions (100€/year if not fulfill conditions) (*)
For the Service of Administration of the account
€0 if conditions satisfied (€0.6 per transaction otherwise)
Card issue and maintenance fee (Now or Later)
€0/year if conditions are met (€28/year or €43/year otherwise)
Transfers from bbva.es, BBVA app or ATMs
Cash withdrawal on debit using card at BBVA ATMs in Spain
Cash withdrawal on debit using the card at non-BBVA ATMs See note 1
Cash withdrawal on debit using the card at ATMs abroad 4.50% (minimum €3.50)
Implicit overdraft annual interest rate 7.25% (NIR)
Fee for tacit overdraft

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

Fee for regularization of overdrafts
0€ if not is higher than 18€. From 18.01€, the handling fee is of 30€.
Issuing checks in Euros €0/year if you meet the conditions (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.

(*) APR: 00.0% calculated if account requirements satisfied. APR: -3.31% if not fulfills the requirements (for a supposition of daily balance of 3,000 Euros constant during a year).

(**) The APR resulting from applying the interest payable and the overdraft fee is legally limited for the "consumer" and cannot exceed 2.5 times 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 or older and have a Va Contigo Account, you can open and enjoy all the advantages of a fee-free Mi Segunda Cuenta.

Can I direct deposit my paycheck?

Mi Segunda Cuenta allows all kinds of direct deposit.

Can I open it at a branch?

No, Mi Segunda Cuenta can only be opened online through the website or the BBVA app. Find out how here.

Does this account include a debit or credit card?

If you already have a Va Contigo Account, when you open Mi Segunda Cuenta you can request a debit card, but it's not included with the account.

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

Provided the conditions of the account are met, the card with the highest annual fee will have its fee waived. If the account holder has already had the fees waived during the current calendar year for another of the cards they have linked to the account, they must pay the fee of 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.

Can I use BBVA's branches if I only have this account?

By opening My Segunda Cuenta, you can enjoy all the advantages the bank has to offer; the services and features provided by our application, website and, of course, by all of our branches, ATMs and advisers.

Can Mi Segunda Cuenta have more than one account holder?

Yes, you can add another account holder to Mi Segunda Cuenta. Remember that the second account holder must be a BBVA customer and have all the forms filled out and approved. If the second account holder is not a BBVA customer, you will have to go to a branch.

Documentation My Segunda Cuenta

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

IP My Segunda Cuenta document with the information pre-contractual, that specifies the conditions between BBVA and the account holder.

FID My Segunda Cuenta 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.