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Adiós Comisiones Program

Adiós Comisiones Program

With the Adiós Comisiones Program you save the payment of fees and expenses for determined operations and services usual in the account that complies with certain requirements.

  • Without administration fees and maintenance, so much in the account as in the cards.
  • Discovers the requirements that owe fulfill for not pay these fees.


In the account

Without administration fees and maintenance of one of the accounts detailed in the ANNEX *.

In the cards

Without fee yearly by issuance and maintenance of one of the credit or debit cards detailed in the ANNEX *, that are direct billing in the account and issued addressed to some account holders. 

Whom benefits this saving?
  • To all the account holders, that stop pay the fee above-mentioned of one of your cards. Just be object of exemption a card for every account holder.

If has more than one card, on which applies this saving?

  • In the event of exist several cards addressed to the same account holder be exempt the card that has a fee yearly by amount higher, provided that in the current year not had exempted already of the payment of another fee of card. 

In the event of not have more than one of the same amount, profit the card whose contract has subscribed in the date more recent.

In other services

  • Relating to checks: without fee for issuance of checks in euros of the account and also without clearing fee and negotiation for national check deposit in euros. 
  • Relating to expenses of mail: not pay expenses of mail for the sending of information relating to the issuance and compensation of checks.

* Can consult here the bases of the Adiós Comisiones Program.

Young people

People under 21 years old

  • If all the account holders are in this age group, have right to all the advantages previous.

From 21 until 25 years

If all the account holders are in this age group and fulfills that the first account holder of the account:

  • Has contracted and activated one of the BBVA CARDS.
  • Has formalized the contract multi-channel (1)
  • Has the cell phone and e-mail address in BBVA's database.

Useful information on this point:

  • What understands for card activated in this age group?

That not has no type of blockade (for example, a card is blocked because still not has activated with the PIN).

From 26 until 29 years

If all the account holders are in this age group and fulfills that the first account holder of the account:

  • Have a BBVA CARD, active and direct billing in the account.
  • Has formalized the contract multi-channel (1).
  • Has the cell phone and the e-mail address in BBVA's database. 

Useful information on this point:

  • What understands for active card in this age group?

Anyone who has an use minimum of at least 7 movements, whether retail purchases or cash withdrawals, during the 4 months natural prior to the settlement date, accrued interest or production of the operation, according to the exemption specific. For example, in June, the months of February, March, April and May are reviewed. For the computation of the operations considers the debiting date in the credit card or in the Account in the event that the card is of debit.

  • How make sure that my mobile phone number and e-mail address are in BBVA's database?

Just has to call to the 91 224 94 26 and facilitate them to him to the operator, or, introduce them in the area private of bbva.es.

Customers with salary, pension, unemployment benefit or periodic incomes for any age

When any of the account holders has direct billing in the account for the next minimum amounts , always for the same concept and through an only deposit every month:

  • Salary for transfer monthly of at least 600€.
  • Pension for transfer monthly of at least 300€.
  • Deposit monthly by Provision of Unemployment of at least 300€.
  • Another type of periodic income monthly of at least 600€.
  • Benefits for BBVA Individual Pension Plans, Employee pension Plans Individual BBVA or Plans of Employment BBVA monthly of at least 300€. 

And complies with at least one of the 2 next conditions:

  • Have at least 5 charges for debit entries (bills) direct billing of services.
  • Have a BBVA CARD, of the included in the ANNEX *, active and direct billing in the account. 

Useful information on this point:

  • What considers salary, pension or unemployment benefit, as a result of Good-bye Fees?

The 3 types of income make reference to the transfers made in concept of salary, pension or unemployment. In all cases is necessary that the deposit receives correctly identified through the encoding banking corresponding.

Consider as a result of Good-bye Fees only the contributory pensions, non-contributory and complementary originated for the Social Security Institute. For comply with this requirement, the income owe be of the same nature and receive in at least 2 of the 4 months natural prior to the settlement date, accrued interest or production of the operation, according to the exemption specific. For example, in June, the months of February, March, April and May are reviewed. If an account receives a deposit in concept of salary in February and a deposit in concept of pension in April the account not fulfill this requirement.

  • What considers another type of periodic income?

Funds transfers through SEPA Debit entry, transfers or check deposits for a minimum amount unitary of 600€ monthly during 3 of the 4 months natural prior to the settlement date, accrued interest or production of the operation, according to the exemption specific. For example, in June, the months of February, March, April and May are reviewed.

The deposits received in concept of Bizum not consider as a result of Good-bye Fees.

  • What consider benefits for BBVA Pension plans, Employee pension Plans Individual BBVA or Plans of Employment BBVA?

Deposits unitary in concept of benefit for BBVA Individual Pension Plans, Employee pension Plans Individual BBVA or Plans of Employment BBVA for a minimum amount of 300€ monthly during 3 of the 4 months natural prior to the settlement date, accrued interest or production of the operation, according to the exemption specific. For example, in June, the months of February, March, April and May are reviewed. 

  • When have effect the requirement relating to debit entries (bills)?

Understand fulfilled this condition when have loaded in the account at least five debit entries (bills) of any issuer in the 4 months natural prior to the settlement date, accrued interest or production of the operation, according to the exemption specific. For example, in June, the months of February, March, April and May are reviewed. 

  • What understands for active card as a result of Good-bye Fees?

An active card is that that has an use minimum of at least 7 movements, whether retail purchases or cash withdrawals, during the 4 months natural prior to the settlement date, accrued interest or production of the operation, according to the exemption specific. For example, in June, the months of February, March, April and May are reviewed. For the computation of the operations considers the debiting date in the credit card or in the Account in the event that the card is of debit.

Customers with balance means monthly higher than 60,000 euros

  • Just for this reason have right to all the advantages described. 

Useful information on this point:

  • How works in the case of a balance means monthly higher than 60,000€?

Some account holders (without take into account the order of ownership in the account) owes appear as first account holder of products financial whose sum of average balances monthly is higher than sixty thousand euros, during two of the four natural months prior to the one which precedes to the settlement date, accrued interest or production of the operation, according to the exemption specific. For example, in June, the months of January, February, March and April are reviewed.

  • What products take into account for apply this exemption?

Call accounts, of saving and term, investment funds, securities accounts, pension plans, unit link, and the next saving insurance products: BBVA ISPs, BBVA Euroterm, BBVA Incomes, BBVA Guaranteed ANNUITIES, BBVA Equities, BBVA Deferred incomes, BBVA GUARANTEED BENEFIT Plan Annuities and GUARANTEED BENEFIT PLAN Accumulation BBVA. 

  • And how calculates the balance means monthly?

For this calculation use the actuarial amount of the day, on the next references for product:

  • Accounts, the credit balance.
  • Investment funds, pension plans and unit links, the net asset value.
  • Securities accounts, the cash value.
  • Saving insurance products, the balance fewer the tax withholding.

Account holders of stock

  • Only for be account holder of at least 1,000 stock BBVA, have right to all the advantages described. 

Useful information on this point:

  • Which are the requirements with respect to the depository account of the stock?

The 1,000 stock owe be deposited in an only account or reference of values in, at least, one of the 2 months natural prior to the settlement date, accrued interest or production of the operation, according to the exemption specific. For example, in June, the months of April and May are reviewed. 

Not count the sum of the values deposited in several references.

The account that save the fees be anyone who as well as be in the ANNEX*, has partner the contract of values as operational account (for charges and deposits).

Account holders that carry out occupations or trade on a self-employed basis

When carry out the following ones types of income in the account for a total amount of at least 600€ monthly:

  • Effective transfer through SEPA Debit entry. 
  • Deposit of debit entries remittances (bills) direct billing.
  • Cash deposits.
  • Check deposits.
  • Transfers.
  • Payment orders agrarian.
  • From the operations of Factoring or Reverse factoring contracts.
  • From the negotiation of documents and credits agents.
  • From the turnover through POS contracted with BBVA.
  • Benefits for BBVA Individual Pension Plans, Employee pension Plans Individual BBVA or Plans of Employment BBVA monthly by a minimum amount unitary of 300€. 

And additionally, that in that same account, fulfills at least 2 of the following ones 5 suppositions:

  • Monthly payment of social insurance products or professional associations, for amount equal to or more than 175€.
  • Have at least 5 charges for debit entries (bills) direct billing of services.
  • Payroll, for amount equal to or more than 600€ a month.
  • State, autonomous or municipal tax payments, for an amount equal to or more than 100€ a month.
  • That some account holders has a BBVA CARD, active and direct billing in the account.

Notwithstanding the above, customers account holders collected in the Annex of these bases*, whose activity business esté included in the CNO 0029 (Farmer) ó 0061 (Self-employed worker of exploitations agrícolas or of fishing), podrán take in to the advantages of the Program fulfilling únicamente 2 of the 5 suppositions previously described, without is necessary prove deposit one in the account.

Useful information on this point:

  • Criteria of fulfillment of different conditions.
    • Income of at least 600€, revise that the income, regardless of the way that carry out, have produced in at least 3 of the 4 months natural prior to the settlement date, accrued interest or of production of the operation, according to the exemption of that deals.
    • Social insurance products or professional associations , payment through the account in 2 of the 4 months natural prior to the on sale, accrued interest or production of the operation, according to the exemption of that deals.
    • Salaries, payment through the has advantages in 2 of the 4 months natural prior to the settlement date, accrued interest or production of the operation, according to the exemption of that deals. 
    • Debit entries (bills) direct billing, understand fulfilled this condition when have loaded in the has advantages at least 5 debit entries (bills) of any issuer in the 4 months natural prior to the settlement date, accrued interest or of production of the operation, according to the exemption of that deals. 
    • Tributes, payment through the has advantages in 2 of the last 6 months natural prior to the on sale, accrued interest or production of the operation, according to the exemption of that deal.  

A month natural is the period between the first and the last day of each month both included.

* Can consult here the bases of the Adiós Comisiones Program.

(1) The contract Multi-channel establishes the conditions that regulate the channels that puts BBVA at your disposal for the contracting of products and services (website, app, Telefónica banking, ATM, etc) and that can sign at any time in your office, through bbva.es and BBVAApp.

When applies the Adiós Comisiones Program?

Applies automatically and be able to profit from your advantages for keep an account and fulfill the requirements. Without emabrgo, the Bank leave without effect the application of the exemptions in the next cases:

  • If cancels the account, for whatever reason.
  • If stop fulfill the requirements and conditions that give rights to the exemptions.
  • When in opinion of the Bank, some account holders have carried out an action fraudulent for obtain the exemption. 

What duration has?

The application of the mentioned advantages have character indefinite, although BBVA booking the possibility of modify the conditions of the Program as well as cancel it at any time.

In the event that the Bank decided modify or cancel the Adiós Comisiones Program, it notify to the payees of the same one. This notification carry out, with two months' notice, through communication individual to the customers payees of the Program. 

What to do in the event of incidents?

For any doubt relating to the application or interpretation of this Program, the customers/account holders be able to address to any office of BBVA, or in writing to:

BBVA Service of Atención to the Customer 

Section of Correos 1598
28080 Madrid

Can consult here the bases of the Adiós Comisiones Program