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We will automatically apply these advantages to your Va Contigo Account so long as you meet at least one of the conditions below. 

See here the conditions that apply to your account so you can enjoy these advantages.

You can also say good-bye to fees:

• If you are the holder of more than 4,000 BBVA shares, in the account associated with the securities contract (the shares must be deposited in a single contract).
• Or keep an average monthly balance of over €25,000 in the following products: Investment Funds, ETFs, SICAVs (Open-Ended Investment Companies not included), Pension Plans, Unit Link: net asset value of BBVA ISSPs, BBVA Europlazo, BBVA Annuities, BBVA Guaranteed Annuities, BBVA Variable Annuities, BBVA Deferred Annuities, BBVA Guaranteed Benefit Plan Annuities and BBVA Accumulated Guaranteed Benefit Plan: balance after tax withholding. Employment Pension Plans are not taken into account for this calculation. In at least 2 of the last 4 months, as long as one of the account holders is also listed as the first account holder of these products

Va Contigo pre-contractual information: document with pre-contractual information that details the conditions between BBVA and the account holder.

These advantages will be automatically applied to your BBVA Joven Account so long as you meet the conditions set out below.

Remember that you do not need to have your paycheck paid in, to benefit from your fee-free BBVA Joven Account. 

Option 1. If all the account holders are under the age of 21 years.

No fees or conditions.

Option 2. If one or more of the account holders are aged between 21 and 29 years.

If any holder of the BBVA Young Person's Account uses the card at least four times in the four calendar months before the current month, the above fees will also be waived. For example, in June, all the card transactions for the months of February, March, April and May are reviewed.

Option 3. Deposit funds with the following conditions

See here the conditions that apply to your account so you can enjoy these advantages

The maintenance fee for the Cuenta Elección may be €0 a quarter, depending on what requirements are met:

1. Meet one income + one payment requirement + have a product at BBVA. If you satisfy one income requirement and one payment requirement, but you do not have a product with BBVA, the maintenance fee for the Cuenta Elección will be €15 a quarter (€60 a year). 
2. Have financial products totaling over €25,000.
3. Own over 4,000 shares of BBVA.

If none of the requirements is met, the maintenance fee will be €40 a quarter (€160 a year).

An explanation of how to satisfy the requirements is provided below:

Any of these three options

• Direct deposit a paycheck for a minimum of €800 a month. 
• Receive a pension or unemployment benefit of more than €300 a month.
• Receive regular income of more than €800 a month.

Any of these two options

• Have 5 direct debited bills.
• Make 7 purchases with the credit card.

Have any of the following products

• Loans: it will be satisfied if you have a product of any amount, active and up to date on payments, in any of the 3 calendar months prior to each monthly review.
• Mortgage: it will be satisfied if you have a product of any amount, active and up to date on payments, in any of the 3 calendar months prior to each monthly review.
• Safe: Life, Funeral, Health, Housing, Motor or Business. These are Insurance policies distributed at BBVA, and any of the account holders must be the account holder of any of the aforementioned. This requirement must be met in any of the 3 calendar months preceding each monthly review. Mini-insurance and, in general, Payment Protection Insurance products are not eligible.
• Active credit card and spend €200 (for purchases of any amount) in the 4 calendar months prior to each monthly review. The date the transaction is charged to the credit card is used for calculating the card transactions.
  
• Funds, plans, guaranteed annuities (over €5,000) in at least 2 of the 4 calendar months preceding each monthly review (meaning if the review is in June, the months of January, February, March and April would be taken into consideration). The financial products that are eligible are:
  • Investment Funds, ETFs, SICAVs (Open-Ended Investment Companies not included), Pension Plans, Unit Link: net asset value.
  • - BBVA ISSPs, BBVA Europlazo, BBVA Annuities, BBVA Guaranteed Annuities, BBVA Variable Annuities, BBVA Deferred Annuities, BBVA Guaranteed Benefit Plan Annuities and BBVA Accumulated Guaranteed Benefit Plan: balance after tax withholding.
  • Employment Pension Plans are not eligible.

The maintenance fee for the Cuenta Elección may be €0 a quarter, depending on what requirements are met:

1. Meet one income + two payment requirements + have a product at BBVA. If you satisfy one income and two payment requirements, but you do not have a product from BBVA, the maintenance fee for the Cuenta Elección will be €15 a quarter (€60 a year). 
2. Have financial products totaling over €25,000.
3. Own over 4,000 shares of BBVA.

If none of the requirements is met, the maintenance fee will be €40 a quarter (€160 a year).

An explanation of how to satisfy the requirements is provided below:

At least €600 a month in any of these options

• Cash transfers and deposits.
• Deposit of checks, commercial documents and trade credits.
• Remittance payment.
• Farm payment orders.
• Income from factoring or reverse factoring.
• Income from POS terminal.
• Payment from a BBVA Personal or Employee Pension Plan.

The account must receive payments for this minimum amount in at least 3 of the 4 calendar months preceding each monthly review.

Two payments from any of the options

• Monthly social security or professional association payments of €175 or more.
• Payroll payments of €600 or more per month.
• Monthly payment of Taxes for an amount of at least €100.
• Pay 5 bills in 4 months.
• Make 7 purchases in 4 months with the BBVA Credit Card.

The account must make payments of these characteristics in at least 2 of the 4 calendar months prior to each monthly review in the case of Social Security, Professional Associations or Paychecks; in at least 1 of the previous 3 calendar months in the case of Taxes; and for bills and purchases with the BBVA Credit Card, in the previous 4 calendar months.

Have any of the following products

• Loans: it will be satisfied if you have a product of any amount, active and up to date on payments, in any of the 3 calendar months prior to each monthly review.
• Mortgage: it will be satisfied if you have a product of any amount, active and up to date on payments, in any of the 3 calendar months prior to each monthly review.
• Safe: Life, Funeral, Health, Housing, Motor or Business. These are Insurance policies distributed at BBVA, and any of the account holders must be the account holder of any of the aforementioned. This requirement must be met in any of the 3 calendar months preceding each monthly review. Mini-insurance and, in general, Payment Protection Insurance products are not eligible.
• Active credit card and spend €200 (for purchases of any amount) in the 4 calendar months prior to each monthly review. The date the transaction is charged to the credit card is used for calculating the card transactions.
  
• Funds, plans, guaranteed annuities (over €5,000) in at least 2 of the 4 calendar months preceding each monthly review (meaning if the review is in June, the months of January, February, March and April would be taken into consideration). The financial products that are eligible are:
  • Investment Funds, ETFs, SICAVs (Open-Ended Investment Companies not included), Pension Plans, Unit Link: net asset value.
  • - BBVA ISSPs, BBVA Europlazo, BBVA Annuities, BBVA Guaranteed Annuities, BBVA Variable Annuities, BBVA Deferred Annuities, BBVA Guaranteed Benefit Plan Annuities and BBVA Accumulated Guaranteed Benefit Plan: balance after tax withholding.
  • Employment Pension Plans are not eligible.

You have financial products totaling over €25,000

The financial products that are eligible are:

• Investment Funds, ETFs, SICAVs (Open-Ended Investment Companies not included), Pension Plans, Unit Link: net asset value.
• BBVA ISSPs, BBVA Europlazo, BBVA Annuities, BBVA Guaranteed Annuities, BBVA Variable Annuities, BBVA Deferred Annuities, BBVA Guaranteed Benefit Plan Annuities and BBVA Accumulated Guaranteed Benefit Plan; balance after tax withholding.

Employment Pension Plans are not eligible.

This requirement must be met in at least 2 of the 4 calendar months preceding each monthly review (meaning if the review is in June, the months of January, February, March and April would be taken into consideration).

You own at least 4000 shares of BBVA

The shares must be deposited in a single securities account or securities book (which must be associated with this Account as an operational account for payments and charges).

This requirement must be met in at least 1 of the 2 calendar months preceding each monthly review.