Can I choose whether their Aqua Debit Card is physical or digital?

Yes, when you open their account, you will be able to choose the card format you prefer. If you choose the digital option, you will know that it is always on their phone, so it cannot be lost. If you also want the physical one just in case, you can request it later at no extra cost.

Can I direct deposit my child's scholarships into this account?

Yes, any scholarship or financial aid for children can be direct deposited into this account. In fact, the minor must have an account in order to apply for a grant or financial aid. If you want to apply for a grant for a minor, it is better to open their account beforehand. You can do it easily online.

How can I see my child's account once it is registered?

By default, the child's accounts are hidden in your private area or app. To view them in real time, you'll need to set them up by following these steps: Open the menu and select settings. Choose "configure products". You will be able to see the account of the minor hidden there and make it visible (view) or visible and switched on (view and operation).

Can I cancel any of the products that go with the account?

If the child is 12 to 17 years old, your Child Online Account includes: Aqua Debit Card. BBVA app with Bizum option. Saving Goals Account. The products and services in this package cannot be purchased separately. But you can cancel any of them early at no cost or penalty, and continue enjoying the rest.

How does the Aqua Debit Card work in other countries?

If your child travels to another country to study or learn languages, they can use their Aqua Debit Card and save on the usual fees. We'll tell you how: When paying in shops and restaurants (whenever they want) In the POS terminal or dataphone, you will have to choose the payment to be made in the country's currency (for example, dollars if it is in the USA). At that time your account will be debited with the exchange rate fee charged by the card brand (such as VISA or Mastercard) for the currency exchange. When the transaction is completed, we will refund the currency exchange fee. When they withdraw cash at ATMs (up to 3 times a month) They can choose any ATM to withdraw cash in another currency. If the ATM asks them to apply the exchange rate, you will have to choose “no” so that we can do it from BBVA. At that time, the following will be charged: the exchange rate fee applied by the card brand and the fee for withdrawing cash at the ATM applied by BBVA. When the transaction is completed, we will refund both fees. The ATM may charge them other fees for each transaction. Since these types of fees do not depend on BBVA, we cannot refund them.

Can I take out money from my child's account?

Yes, you can do it in a BBVA branch. As the cardholder is the minor, only he can withdraw cash from the ATM.

Can I make transfers and save with this account for children?

Yes, you can make internal and external transfers. At bbva.es, the BBVA app, and at ATMs you do not pay commissions on your standard and immediate transfers in euros, Swedish krona or Romanian leu (ron) within the scope of the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Transfers using magnetic media, Fund Movement Orders (FMOs) and Value Day transfers not included. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

What will happen to the account when they turn 18?

The Online Account for Minors is in your name. Therefore, when he or she turns 18, your son or daughter will be able to manage his or her account 100% with no fees or conditions. They will also be able to use the BBVA app for adults. However, since you will no longer be their representative, we will have to verify your son's or daughter's identity with a video call or video selfie

If it sounds familiar, it's very BBVA

BBVA for families
Financial education
Promotions

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.

Between 0 and 11 years
You can use this account to direct debit grants or scholarships and save for their future.

Fee-Free Online Account
Open your account
Between 12 and 17 years old
You will have everything you need to start managing their money:

Fee-Free Online Account

BBVA app tailored to their age

Bizum in their app

Aqua Debit Card with advantages for traveling

Saving Goals Account
Open your account

They'll have their own card and app

To make their first purchases, with you in control

They will have their Aqua Debit Card with no fees, either physical or digital, and supervised by you, with which they will be able to:

Pay securely, their CVV code will change to avoid fraud, and you will receive a notification with each payment.
Add to their cell phone to always have it with them without fear of losing it. In addition, you can set limits and decide how much they spend with it.
Turn it off from their app if they have a physical card and can’t find it, and turn it back on if it’s found.
Save on fees in other countries for exchange rates and for withdrawing cash 3 times a month.

Open your account

So they can get their Bizum when they say "Mom, I need money"

That way you make sure they have money if you're not around. They will also be able to share expenses with friends or receive gifts from family.

The service has pre-established limits and you can set it up as you want or even cancel it in the Bizum section of your BBVA app or private area.

Open your account

So they can learn to save with your help

They will have a Goals Savings Account, which you will manage from your app. And if you activate the savings rules, you can automatically set aside money in their account.

You can round off your purchases made with a card, so they can keep the change.
At the end of the month, your children will be able to save a portion of the balance left in their Online Account.

Open your account

And little by little, become more aware of their spending

We have adapted the BBVA app to their age so they can manage their pocket money and review every movement in their account.

This will help you learn good financial habits such as covering expenses and saving.

Open your account

You will be able to choose between a physical or digital card, set their spending limits and restrict where they can use it.

You'll get notifications of everything they do: card payments, Bizum and ATM withdrawals.

Payments will be blocked in sectors not suitable for them, such as online gaming, casinos and gambling.

You'll be able to send their allowance to their Online Account and keep their savings in the Goals Account, which only you control.

Open your account

No account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).

Children's Aqua Debit Card

No issue or maintenance fees.

By Bizum and transfers

Transfers via bbva.es, the BBVA app or at ATMs within the European Economic Area.

For card payments in foreign currency

And for withdrawing cash up to 3 times a month at ATMs outside Spain.

Open your account

It is important for you to know and understand the documents we make available to you before opening these accounts. You can view them here:

IP Children's Online account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

FID Children's Online account: information document about the fees applied for using the main services associated with the payment account.

IP Goals Savings Account for Children: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

IP Children's Aqua Debit Card: document with pre-contractual information that details the conditions between BBVA and the account holder.

You can also view a list of the most representative services associated with a payment account.

Depending on how you want to get started at BBVA, there are several options:

As a family, with two accounts

If you're not yet a BBVA customer, you can join BBVA together. You will have your own account and your son or daughter will have their account. This way you can both use the BBVA app, and learn how to manage money together.

How to do it:

Click on "Open account".
Open your Fee-Free Online Account first.
To confirm your identity, we will ask for photos of you and your Identity card (DNI or TIE).
Then you will complete the steps to open the Online Account for Children.
To confirm you are family, we will ask for photos of the child’s DNI or TIE and the family record book or birth certificate.
Finally, you will have a video call with a BBVA representative to verify everything is correct. You can also download the BBVA app and complete the process without a video call.
And that's it. In just a few minutes, both accounts will be active!

Only with your son or daughter's account

If you are already a customer or you don't want to open your own account, you can do so for the child only. You will be the legal representative and you will have access to the BBVA app to monitor and manage their account.

How to do it:

Click on "Open account".
Add your details to be listed as the child's representative and have access to the app to monitor their account.
Then you will complete the steps for the Online Account for Children.
To confirm you are family, we will ask for photos of the child’s DNI or TIE and the family record book or birth certificate.
Finally, you will have a video call with a BBVA representative to verify everything is correct. You can also download the BBVA app and complete the process without a video call.
You can log into the BBVA app with the password you choose to monitor their account.

If you are already a BBVA customer, you only need to open their account.

How to do it:

Log into the app > in the bottom menu, click on Apply > Accounts > Online Account for Minors.
Log into your private area of bbva.es > in the side menu, click Accounts > Online Account for Minors.
Complete the steps in the process to open the account.
To confirm you are family, we will ask for photos of the child’s DNI or TIE and the family record book or birth certificate.

How much do children know about money?

Children's Online account
Do you want to improve your children's financial literacy?

Children's Online account
Pay what is owed

Bizum for minors

Travel with peace of mind

Aqua Debit Card - Travel Pack
What would we do without apps?

App adapted for minors
Do you know the story of the ice man?

Aqua Debit Card - Mobile Payment

Teens and gambling

Aqua Debit Card - Card security
Why are piggy banks like that?

Saving Goals Account
Make ends meet?

Savings Rules for Minors

Are we truly free?

Parental oversight and control
Do you give your children pocket money?

Pay and rewards
Dad, I want a cell phone

Responsible use of devices

What effects does the digital world have on our children?

Effects of the digital world
Would you like to protect your children from the dangers of the Internet?

Phishing
What information do you share about your children on the Internet?

Sharrenting

Do you know what tracks we leave on the Internet?

Digital footprint
Be self-critical and check information

Is everything we see on the Internet true?
Talk openly at home about money

Teach them the value of hard work and how to manage their savings

Expense types

Help them tell the difference between what they need and what they want
Reading habits

Encourage reading so they can learn and make better decisions

Children's Online account

More than 400,000 families have already joined BBVA. Do you want to join?

Open their Online Account for Minors and, if you want, yours too on the same day, both commission-free! You'll be able to see their transactions from your app and accompany them in their first steps with their own money.

Open your account

See the Online Account for Children

How would you like to start at BBVA?

As a family, with two accounts

You'll have your own account, your own card, and all the app's features to learn together.

Only with your son or daughter's account

You will be a representative and will have your login password for the BBVA app to monitor and manage their account.

Then, getting the €60 is that easy

Deposit money into your children's account (ages 0-11), deposits from any family member are valid.
We'll give you 10% of everything they receive, up to €10 net each month for 6 months.

If it sounds familiar, it's very BBVA

Up to €60 to have them switch from playing with cushions to building their own

An account designed to grow with your family

Between 0 and 11 years

Between 12 and 17 years old

They'll have their own card and app

To make their first purchases, with you in control

So they can get their Bizum when they say "Mom, I need money"

So they can learn to save with your help

And little by little, become more aware of their spending

You will be able to give them confidence without losing peace of mind

You will be able to choose between a physical or digital card, set their spending limits and restrict where they can use it.

You'll get notifications of everything they do: card payments, Bizum and ATM withdrawals.

Payments will be blocked in sectors not suitable for them, such as online gaming, casinos and gambling.

You'll be able to send their allowance to their Online Account and keep their savings in the Goals Account, which only you control.

And, want to know the best thing? Whatever their age, it won't cost you anything

Online Account and Goals Savings Account for Minors

Children's Aqua Debit Card

By Bizum and transfers

For card payments in foreign currency

Your doubts and those of many families

What documentation is required for the Children's Online Account?

How do I open my child's account online?

Can I choose whether their Aqua Debit Card is physical or digital?

Can I direct deposit my child's scholarships into this account?

How can I see my child's account once it is registered?

Can I cancel any of the products that go with the account?

How does the Aqua Debit Card work in other countries?

Can I take out money from my child's account?

Can I make transfers and save with this account for children?

What will happen to the account when they turn 18?

Together we will lose the fear of finances

How much do children know about money?

Do you want to improve your children's financial literacy?

Pay what is owed

Travel with peace of mind

What would we do without apps?

Do you know the story of the ice man?

Teens and gambling

Why are piggy banks like that?

Make ends meet?

Are we truly free?

Do you give your children pocket money?

Dad, I want a cell phone

What effects does the digital world have on our children?

Would you like to protect your children from the dangers of the Internet?

What information do you share about your children on the Internet?

Do you know what tracks we leave on the Internet?

Be self-critical and check information

Talk openly at home about money

Expense types

Reading habits

Children's Online account

More than 400,000 families have already joined BBVA. Do you want to join?

Up to €60 to have them switch from playing with cushions to building their own

As a family, with two accounts

Only with your son or daughter's account

Then, getting the €60 is that easy

Deposit money into your children's account (ages 0-11), deposits from any family member are valid.

We'll give you 10% of everything they receive, up to €10 net each month for 6 months.