Who can apply for the Savings Pack?

If you are 18 years old or older, you are a resident of Spain and you are not a BBVA customer, you can apply for and enjoy all the advantages of this pack. It is only available for one account holder.

Can I apply for the Savings Pack with other promotions?

No, you cannot combine the Savings Pack with other promotions, such as inviting a friend.

What do I need to apply for the Savings Pack?

We recommend that you have your DNI/NIE and your mobile phone to sign your contracts via SMS

Can I apply for the Savings Pack at BBVA branches?

No, the Fee-Free Online Account can only be opened through bbva.es or on the BBVA App.

Can I open a Goals Account separately?

If you are not a BBVA customer, you need to apply for a Savings Pack to open a Goals Account. If you are a BBVA customer, you can open a Goals Account linked to your existing account.

Can I open an Online Account with a debit card separately from the Goals Account?

If you are not a BBVA customer, you can sign up for the Fee-Free Online Account with the Aqua Debit card without signing up for the Goals Account, with the same fee exemption. For further information, please click here .

Do I have the right to withdraw?

When opening an account online, the deadline for exercising the right of withdrawal is 14 days. The period begins on the day the account contract is signed. The right of withdrawal may be exercised via the bbva.es website and the BBVA mobile app (in both cases from the private area, through the "I want to" option in the personal accounts menu). This right can also be exercised in a branch or by calling Contact BBVA.

Does the Savings Pack come with a card?

Yes, the Savings Pack includes the Fee-Free Online Account as the main account, which is associated with a free Aqua Debit Card. With this card, you can: Withdraw cash on debit with no fees at BBVA ATMs. This cash must be available in your Online Account. Deposit cash without fees at BBVA ATMs. You can make deposits in your Online Account or in your Goals Account.

Does the Aqua Debit Card have ATM fees?

The following fees are charged for withdrawing cash on debit at ATMs: At BBVA ATMs in Spain: €0. ATMs other than BBVA ATMs: the same amount as the fee that the ATM owner charges BBVA. The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn. ATMs abroad: 4.50% (€3.50 minimum).

Do I need to have my salary directly deposited or pay my bills by direct debit in order to pay no fees?

No, you do not need to have your salary directly deposited or pay any bills by direct debiting in order to pay no fees.

Is there a fee for online transfers?

On bbva.es, the BBVA app and at ATMs, pay no fees for transfers in euros, Swedish krona or Romanian Leu (ron) within the European Economic Area (members of the European Union + Iceland, Liechtenstein and Norway). Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and immediate transfers. For transfers which are not included, accompanying expenses and transfer fees established for these purposes do apply.

Can I go to/use BBVA branches if I only have this Savings Pack?

With the BBVA Free-Free Online Account, you can enjoy all the benefits offered by the bank: the services and features provided in our application, our website and, of course, all the services offered by our branches, ATMs and BBVA advisers.

What happens if I have an overdraft?

The Fee-Free Online Account applies the following fees when operating with an overdraft: Annual interest rate for authorized overdraft. 7.25% NIR. Fee for authorized overdraft in the account: 4.50% (minimum amount €15). Calculated based on the maximum balance owed during the account settlement period. The APR resulting from the application of borrowing interest and the overdraft fee is legally restricted for consumers and cannot be more than 2.5 times higher than the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.

Is there a check book?

The Fee-Free Online Account does not include a checkbook or a passbook.

RISK LEVEL

1/6

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.

Online Sin Comisiones Account + Ahorro Metas Account

Q: Documentation on the Fee-Free Online Account

It is important for you to know and understand the documents we make available to you before opening this account. You can view them here: IP Online Account : pre-contractual information document detailing the terms and conditions between BBVA and the account holder. FID Online Account : information document about the fees applied for using the main services associated with the payment account. IP Goals Account : pre-contractual information document detailing the terms and conditions between BBVA and the account holder. You can view a list of the most representative services associated with a payment account.

A pack with two accounts, one for your everyday needs and another for saving

Apply for the Ahorro Pack and get:

The Online Sin Comisiones Account for your everyday banking.
The Ahorro Metas Account to keep and organize your savings.
Rules for saving that you can enable in the app.

I want my Savings Pack

Only for new customers

Do you have children between 12 and 17 years old? They can also get their own Ahorro Metas Account

Open an Online Account for Minors 0-17 years old and, from the age of 12, they will have a personalized app with Bizum option, an Aqua Debit Card for their daily life and with travel benefits and an Ahorro Metas Account that only you will manage.

A pack to save your way, without even realizing it

Fee-Free Online Account

For everyday use and with the fee-free Aqua Debit Card.
Goals Account

To keep and organize your savings by goals, with no fees.
Savings rules

You can enable them from the app and save automatically.

The Savings Pack is only available for new customers with a single account holder. It is made up of the Fee-Free Online Account + Aqua Debit Card + Goals Savings Account, and it cannot be combined with other offers.

The Online Account for everyday use

The fee-free account that doesn't ask for anything

No account administration or maintenance fees (0% NIR 0% APR).
No issue or maintenance fee for the Aqua Debit Card.
No fees for online transfers within the EEA.
Over 4,500 BBVA ATMs for debit cash withdrawals at no cost.
No obligations, no direct deposits or debits.

100% secure payments with Aqua Cards

With no printed numbers, you can control it with the BBVA app. Add it to your phone and start using it before it arrives

Security: only you can see the card number in the app. Also, your dynamic CVV code changes to protect your purchases.
Control: temporarily turn your cards on or off whenever you want. This way, you can keep them secure if you can't find them or don't use them.
You can also have the Aqua Más Credit Card with no issue or maintenance fee.

When you join, we will review if you can have the Aqua Más credit card with no issue or maintenance fee, in addition to your account and debit card.

Discover the new Aqua Más Card

The Goals Account for your savings

Set yourself goals and save for whatever you want

No account administration or maintenance fees.
No fees for online transfers within the EEA.
Up to 5 goals to organize your savings by goals.
Easy transfers that you can set up from your Online Account.
Savings available whenever you want, with no fees or penalties.

How to switch your account to savings mode

Set up your Online Account with automatic savings rules

You have different rules to save without even realizing it: from saving part of your paycheck to saving the change from your shopping. You decide how to combine them.

On average, our customers save €110 a month with these rules.

See savings rules

The money you save is kept in your Goals Account

This account acts like a piggy bank for your savings. You can deposit money with rules and internal transfers from your Online Account, by transfer from other accounts or from BBVA ATMs. And also, withdraw your savings whenever you want.

You can create goals to achieve your savings objectives

Do you want to do a course, take a trip or just save? Create your goal and choose a deadline to meet it. If you contribute money each month, it will be easier to reach.

I want my Savings Pack

Fee-Free Online Account

Here are the costs and fees:

Account maintenance fee: €0, no fees or conditions. (0% NIR 0% APR, calculated assuming a daily positive balance for one year).

Account administration fee: €0, no fees or conditions.

Transfers via bbva.es, the app and at ATMs within the European Economic Area: €0.

Aqua Debit Card

Here are the costs and fees:

Debit card issuance and maintenance fee: €0.

Debit cash withdrawal fee at BBVA ATMs in Spain: €0.

Debit cash withdrawal fee at ATMs outside Spain: 4.50% (minimum €3.50).

Debit cash withdrawal fee at other banks' ATMs in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the money is dispensed.

Tacit overdraft

Overdraft fees for the Fee-Free Online Account:

Annual interest rate for overdraft: 7.25% NIR.

Fee for overdraft: 4.50%. Minimum amount €15.

Calculated based on the maximum balance owed during the account settlement period. The APR resulting from the application of borrowing interest and the overdraft fee is legally restricted and cannot be more than 2.5 times higher than the legal interest rate. Any change to the legal interest rate will automatically modify the APR applied to overdrafts.

Saving Goals Account

Account administration and maintenance fee: €0. (0% NIR 0% APR, calculated assuming a positive daily balance for one year).

Transfers via bbva.es, the app and at ATMs within the European Economic Area: €0.

Creditor interest rate: 0%.
You can do these operations
Payment: cash deposits at a branch or ATM, funds transfer orders between BBVA accounts, and national and international transfers through any banking channel.

On drawdowns: funds transfer orders between your BBVA accounts, and transfers within the European Economic Area.

This account is not compatible with the issuance of credit or debit cards, checkbooks or checks, or with cash withdrawals made via check or a cash transfer order.

Since this account is intended for savings, you can't direct deposit/debit your paycheck, bills, taxes or social security.

How do I apply for a BBVA Savings Pack?

Watch video

During the registration process for new customers on digital channels, BBVA needs to process your biometric data (among other personal data) in order to verify your identity. If you do not want to register online, you can become a customer by going to a BBVA branch and taking out one of the products available on this channel.

In order to use the app and get access to all its features, you need to enter your contact and login details (email, phone, DNI/NIE and password).

Watch video

You can now use our video identification system to contact one of our advisers. It's free and your bank account will be open and operational within 5 minutes.

Watch video

Fill in and confirm your personal details (name, surnames, etc.) that coincide with those of your ID documentation (DNI/NIE) as well as those of your domicile for tax purposes (where you are registered).

Watch video

You can avoid paperwork and traveling by signing the contracts of your new bank with a code we will send you via text message (free for you). You will receive it on the mobile phone number you provided in step 2. It's that easy.

With the Bank Switching Service, we will handle everything for you

A simple and free way to transfer whatever you choose. With no paperwork and without having to go to a branch.

Your regular transfers to other banks.
Your recurring income (paycheck, pension) and bills (direct debits).
Your balance, closing the other account.

And you don't have to talk to your other bank. You choose the ones you want to transfer to BBVA, and we'll take care of the rest.

More information

Do you want to view the account documentation?

It is available in the FAQ section

Would you like more information?

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

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

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

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

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

Savings Pack

I want my savings pack

Did you know that you don't need to be a customer to try the BBVA app?

Online Sin Comisiones Account + Ahorro Metas Account

A pack with two accounts, one for your everyday needs and another for saving

Do you have children between 12 and 17 years old? They can also get their own Ahorro Metas Account

A pack to save your way, without even realizing it

Fee-Free Online Account

Goals Account

Savings rules

The Online Account for everyday use

100% secure payments with Aqua Cards

The Goals Account for your savings

How to switch your account to savings mode

Set up your Online Account with automatic savings rules

The money you save is kept in your Goals Account

You can create goals to achieve your savings objectives

Fee-Free Online Account

Aqua Debit Card

Tacit overdraft

Saving Goals Account

How do I apply for a BBVA Savings Pack?

Establish your contact and access details

Choose how you want to identify yourself

Fill in your personal and financial details

Sign the contracts

With the Bank Switching Service, we will handle everything for you

Do you want to view the account documentation?

Would you like more information?