You offer information on the payment services regulated for the Actual one decree-law 19/2018, of November 23, of payment services and other measures urgent in matter financial.
PSD2 is a European directive that regulates payment services in the domestic market. The new regulation involves fundamental changes in the industry including, among others, payment institutions having access to the payment account services of credit institutions in an objective, non-discriminatory and proportioned manner. The aforementioned access must be broad enough to allow the payment institutions to provide payment services efficiently and obstacle-free. This means that banks must allow third-party payment service suppliers (TPPs) to access their infrastructure in order to initiate payments on behalf of customers or provide them an account information service (upon authorization of the account holder). BBVA is one of the first credit institutions to offer a platform and its services through APIs to provide the following services:
A payment initiation service, which enables the payment institution to initiate a payment order at the request of the payment service user, with regard to a payment account open with BBVA.
An account information service, the aim of which is to provide aggregated information on one or several payment accounts held by the user of the payment service either at BBVA, or at BBVA and other payment service suppliers.
Confirmation of funds. BBVA, at the request of a payment service supplier that issues card-based payment instruments, will immediately confirm the availability of funds in the payment account of the payer in order to execute a card-based payment transaction, provided that the latter has given his or her express consent to BBVA.
All cases require the consent of the customers (companies and individuals) and the authentication of them by the bank, and the accounts must be accessible online.
The TPPs must comply with the requirements on record-keeping, authorization and monitoring by the stated competent authorities designated by law.
If are a TPP registered and authorized can access our APIS, technical specifications and environment test in this link https://market.apis-i.redsys.es/psd2/xs2a/nodos/BBVA. You can also resolve any queries or incidents that occur during the technical configuration process by calling the 24-hour hotline: 91 728 23 21 or via email email@example.com.
The TPP have installed in BBVA a customer service helpline in the telephone 91 991 59 35 for the next classifications of calls:
Technical incidents that they have not been able to resolve in the setup process.
Claims or disputes.
Next publish the statistics quarterly on the availability and yield of the APIs and of the interface used by your users of payment services.
Banco Bilbao Vizcaya Argentaria, S.A. not has the obligation of have a contingency mechanism for your interface specific since Banco de España you have exempted of this obligation to the have verified that BBVA's APIs fulfill the requirements necessary
We offer you information on Bank of Spain Circular 1/2015, dated March 24, for suppliers of payment services, regarding information about the obtained discount rates and interchange fees.
Information on the discount rate charged by BBVA during each quarter indicated.
Information on the discount rate charged by Catalunya Caixa during each quarter indicated.
Information about BBVA's actual exchange rate for each quarter specified.
Information about Catalunya Caixa's actual exchange rate for each quarter specified.
Information about Unoe Bank's actual exchange rate for each quarter specified.
Cookies are important as they influence your browsing experience. They help us to protect your privacy and give you secure access to BBVA via your username. We use analytical, personalization and advertising cookies (BBVA and third-party cookies) to create profiles based on browsing habits and to display useful information. Your choice will be saved anonymously.
We have not changed anything. Our goal is to treat you with the same transparency and responsibility with which we manage your money.
(This takes about 4 minutes)
Cookie settings panel
This is the advanced setup for BBVA cookies and third-party cookies. Here you can change the parameters that will affect your browsing experience on this website.
Technical Cookies (required)
These cookies are used to give you secure access to areas with personal information and to identify you when you log in.
These cookies are related to general features such as the browser you use.
Your experience and content have been customized.
With your selection, we cannot offer you customized browsing and content.
They are used to track the activity or number of visits anonymously. Thanks to them we can constantly improve your browsing experience.
Your browsing experience is constantly improving.
With your selection, we cannot offer you a continuously improved browsing experience.
They allow the advertising shown to you to be customized and relevant to you. Thanks to these cookies, you will not see ads that you are not interested in.
The advertising is customized to you and your preferences.
Your choice means you will not see customized ads, only generic ones.