Online Sin Comisiones Account + Ahorro Metas Account

• 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.

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.

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.

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 The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn.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).

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.