How do I apply to open the Fee-free Online Account?

You can apply to open this account online at bbva.es and the BBVA app, but it is not possible to do so in branches. To sign up for the account, you need: You must be 18 or older. To live in Spain and have an ID card or Residence card (document with photo). Not be a BBVA customer.

What do I need to apply to open the Fee-free Online Account?

In order to open this account online, you must have the following items ready: ID or Residence Card (card with photo). Cell phone to sign your contracts via SMS. Camera on your computer or cell phone to identify you with a video call or video.

Can I 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 I go to or use BBVA branches if I only have this account?

With the BBVA Free-Free Online Account, you can enjoy all the benefits offered by the bank: the services and features provided in our app, our website and, of course, all the services offered by our branches, ATMs and 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 The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn.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% (€3.50 minimum).

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.

If I have just become a BBVA customer, can I change my opinion?

You will have 14 days to exercise the right of withdrawal with any of the products acquired. The deadline begins on the day of signature and entry into force of the package of products you have acquired. To exercise your intention to withdraw, go into your private area at bbva.es or the account section of the BBVA app. You can also do so at a branch or by calling 900 102 801.

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.

Fee-Free Online Account

Earn €150 cashback this Black Friday

To save, or to make other purchases... for whatever you want. You just need to follow these steps:

Become a BBVA customer with the Fee-Free Online Account.
Earn up to €150 cashback with the purchases you make with your Aqua Debit Card during the 30 days after you sign up.

Save this code, you will have to enter it when you open your account before 12/1/2024:

Copy code TARJETA150

Become a BBVA customer

How does the promotion work?

In just a few minutes, only for new customers.

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 Card, ready to use.

Free online transfers and cash withdrawals.

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

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

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

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

Become a BBVA customer

Your card has a dynamic CVV that is generated with each purchase.

Turn the card off and on in the event of any unforeseen circumstances.

With the Travel Pack, use your card abroad securely and save on fees, even on weekends

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

Become a BBVA customer

And choose when to pay

Immediately: If you pay with your Aqua Debit Card, 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
Whenever 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 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 a BBVA customer

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

If you are not yet a BBVA customer 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 a BBVA customer

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 a BBVA customer

So you can open it in just a few steps

Choose whether the account is for you alone or you will share it with someone else.
Take photos of your ID card/Residence card and confirm your identity by video call.
Enter your details and create your login password.
Sign the contract with the SMS you receive.

Chosen as the best checking account of 2023 in Rankia

Do you want to view the account documentation?

It is available in the FAQ section

Get answers to all your questions

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).
Account overdraft fee: €0 if it does not exceed €18. From €18.01 up, the management fee is €30.

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.

Become a BBVA customer

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

Fee-Free Online Account

Earn €150 cashback this Black Friday

Getting started doesn't cost you anything