Which transfers have a fee?

The Empresas Bienvenida Account has no fees for ordinary transfers and paychecks paid in euros, Swedish krona or Romanian leu (RON) within the European Economic Area (members of the European Union in addition to Iceland, Liechtenstein, and Norway) ordered from bbva.es, the BBVA app, online business banking and BBVA ATMs. Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers that are not included, the accompanying expenses and transfer fees established for these purposes on the rate sheet will apply.

What happens if my account is overdrawn?

You would be charged a fee of 4.50% on the maximum overdrawn balance (minimum €15) and an overdraft interest rate of 29%. If the overdraft exceeds €18, you will be charged a €30 overdraft processing fee, which will be applied once for each overdraft claimed.

Documentation of the Empresas Bienvenida Account

It is important for you to know and understand the documents required to open this account. You can view them here: Pre-Contractual Information Empresas Bienvenida Account: preliminary information booklet on payment services. You can view the list of the most representative services for a payment account here .

Dynamic CVV

An extra level of security when you shop over the phone and online

The dynamic CVV of Aqua BBVA cards generates a single-use code to make each transaction even more secure, protecting you against potential fraud.

What is the dynamic CVV?

The CVV (Card Verification Value) is a 3- or 4-digit code printed on the back of the financial cards that serves as a protection measure when making purchases over the phone or online.Along with the numbering and expiration date, it is used to confirm that it is the cardholder who is making the transaction.

The dynamic CVV code of Aqua BBVA cards offers an even greater level of protection, since it is not printed on the physical card, but is generated from the BBVA app specifically to confirm each transaction.

How does it work?

Using the dynamic CVV of Aqua BBVA cards is very simple:

When making a transaction by phone or online, you must enter the card details: account holder name, full numbering, expiry date and CVV.
To obtain all these details (which are not printed on the physical card), you only need to go to bbva.es or the BBVA app, access the card with which you wish to make the payment and click on the option to consult the dynamic CVV.
Along with your card details, you will be able to see a 3-digit CVV code with a validity period of a few minutes. If, after that time, you don't use it to make a transaction, the code will expire and you will have to request a new one.

Don't have your Aqua Credit Card yet?

Smart, flexible, and even more secure:

No printed numbers, you can only see them in the app.
Dynamic CVV to protect your online purchases.
It allows you to defer payment on your purchases or pay for them the following month.

More information

Cybersecurity

Find out what the dynamic CVV is and how it helps you to protect your security even more when making purchases online with your card.

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We'll explain how to find your CVV code on your card and why it is important.

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We tell you how a card's CVC security code is used and where it is located.

Read the full article