Who can contract this joint account?

If you are both 18 or older, live in Spain, and are not BBVA customers , you can open and enjoy all the benefits of this account.

What do we need to complete the contract process?

We recommend that both account holders be present during the registration process with their respective documentation ready: DNI/NIE and your mobile phone to sign your contracts via SMS.

Can we sign up for the joint Account for two account holders at BBVA branches?

No, the Joint Account can only be opened through bbva.es or on the BBVA App.

Do I need to have direct deposit of my paycheck or direct billing in order to pay no fees?

No, you do not need to have direct debit of your paycheck or direct billing to avoid paying fees.

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

When you become a customer, you will also take out the following: The Fee-free Online Account for your day-to-day. Installment payment service. Aqua Debit Card associated with the account. Optional Aqua Más credit card, in case you want it and can take it out. 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. If you have any questions or you want to cancel any of these products, you can go to a BBVA branch or call Contact BBVA: 900 102 801

Can we go to/use BBVA branches if we only have this joint account?

With the Joint Account, you'll both be able to enjoy all the benefits the bank has to offer; the services and features provided in our application, our website and, of course, all the services offered by our branches, ATMs and BBVA advisers.

If I have Bizum in another bank, will I also have it in the Online Account?

The Online Account already has the Bizum service activated so you can instantly receive or send money with your cell phone, as if you were sending a message. If you don't have Bizum, it will be activated with BBVA and you'll be able to receive and send money from the outset. If you have it in another bank, you will only be able to send money from BBVA. If you also want to receive money via Bizum at BBVA, you can instantly change it from the app.

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% (minimum €3,5).

Is there a fee for online transfers?

At bbva.es, the BBVA app and 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, urgent transfers, 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.

Is there a check book?

No, the Joint Account does not include a checkbook or a passbook.

Do we 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.

How can I complete my details using Cl@ve PIN?

At BBVA, we give you the option to automatically fill out all the details needed to process your registration as a customer, making the process more convenient, fast and secure through the Cl@ve PIN system. To do so, we use the technology of TaxDown, a supplier specializing in remote connections and procedures with the AEAT (Tax Agency) and the TGSS (Social Security General Treasury). This service is provided outside the BBVA environment. As a result, if you choose this option, we will take you to the TaxDown environment so you can provide, through Cl@ve PIN, all the details for the registration process, Always securely and with your prior consent. With TaxDown and Cl@ve PIN, your BBVA registration process will be: Faster: almost all the details are filled in automatically. You just have to enter your DNI/TIE/NIE number and the validity date. More comfortable: just check that everything is correct. More secure: Cl@ve PIN and TaxDown guarantee your privacy.

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.

Joint account for two account holders

A joint online account for today, a bank for the future

You will have the Fee-Free Online Account and your Aqua Debit Cards for €0.
With the Travel Pack, you can save fees when paying in non-euro currencies and withdraw cash at ATMs abroad, even on weekends.
And you will save €720 if you bring your bills.

Become BBVA customers

In just a few minutes, only for new customers.

For a limited time only!

To save €720 in the first year

We cannot lower your bills, but we can help you pay them. We will give you back €60 a month for one year.

Bring any of your electricity, gas, telephone, or internet bills. We can do it for you.
And keep €400 in your new account.

Save this code, you will have to enter it when you open your account before 12/31/24.

Copy code RECIBOS720

Become BBVA customers

How does the promotion work?

Getting started doesn't cost you anything

Account with no fees and no need to bring over your paycheck. 0% NIR 0% APR.

Fee-free Aqua Debit Cards, ready to use.

Free online transfers and cash withdrawals.

We'll show you how to start using your account and cards right away.

We'll bring over whatever you have in other banks free of charge.

The most comprehensive Bizum for instant use, with the option to split expenses.

With a dedicated support team ready to chat from the very first minute.

Become BBVA customers

Your cards have a dynamic CVV that is generated with each purchase.

You can deactivate and activate the cards in the case of any unforeseen events.

With the Travel Pack, you can use your cards abroad with total security and save on fees.

You will receive a notification if we detect any unusual charges.

Become BBVA customers

And choose when to pay

Immediately: If you pay with your Aqua Debit Cards, the charge will be deducted instantly from your account.
Later: you can get the fee-free Aqua Más Card when you open the account.
See Aqua Más Card
When you want: with the Service to pay expenses in installments from your account.
See Installment payment service

Spending control and savings rules to boost your money.

Second fee-free account to organize your common expenses.

Tools to assess whether it is better to buy or rent.

Children's account to keep the whole family connected.

Become BBVA customers

Are you between 18 and 29? Your Travel Pack is free

If you are not yet BBVA customers and are between 18 and 29, you can use your card abroad and enjoy zero fees until you reach the age of 30.

Just open your Fee-Free Online Account, and it will be ready to use in just a few minutes!

Become BBVA customers

Fee-Free Online Account

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

Aqua Card

The account includes a debit card with no issuance and maintenance fee for each holder.

For transfers

From bbva.es, the BBVA app or ATMs within the European Economic Area.

For withdrawing cash

Withdraw cash on debit at more than 4,500 BBVA ATMs in Spain.

Become BBVA customers

So you can open it in just a few steps

Choose to open an account with two account holders.
Take photos of your ID cards/Residence cards and confirm your identities by video call.
Enter your details and create your login password.
Sign the contracts via SMS.

Do you want to view the account documentation?

It is available in the FAQ section

Would you like more information?

Account documentation

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 and installment payment service: 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.

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

IP Aqua Debit Card: document with the pre-contractual information detailing the conditions of the debit card that includes the account.

Authorized overdraft fees

If you have an overdraft on your account, such as when a bill is due and your balance is insufficient, the following fees will apply:

Annual interest rate for authorized overdraft. 7.25% NIR.
Fee for authorized overdraft in the account: 4.50% (minimum amount €15).

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.

Joint Online Account

Become BBVA customers

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

Joint account for two account holders

A joint online account for today, a bank for the future

To save €720 in the first year

Getting started doesn't cost you anything