Children's Aqua Debit Card

The fees for withdrawing cash with the Aqua debit card are as follows:

• BBVA ATMs in Spain: 0%.
• ATMs of other banks 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. 
• ATMs outside Spain: 4.5% (minimum €3).

During the first year, if your child travels to another country to study or learn languages, they will be able to use their Aqua Debit card for Minors and save the usual fees with the Travel Pack. We'll tell you how:

• When paying in shops and restaurants (whenever they want)
  • In the POS terminal or dataphone, you will have to choose the payment to be made in the country's currency (for example, dollars if it is in the USA).
  • At that time your account will be debited with the exchange rate fee charged by the card brand (such as VISA or Mastercard) for the currency exchange.
  • When the transaction is completed, we will refund the currency exchange fee.
• When they withdraw cash at ATMs (up to 3 times a month)
  • They can choose any ATM to withdraw cash in another currency.
  • If the ATM asks them to apply the exchange rate, you will have to choose “no” so that we can do it from BBVA.
  • At that time, the following will be charged: the exchange rate fee applied by the card brand and the fee for withdrawing cash at the ATM applied by BBVA.
  • When the transaction is completed, we will refund both fees.
    

The ATM may charge them other fees for each transaction. Since these types of fees do not depend on BBVA, we cannot refund them.

You will be able to use this service free of charge for the first 12 months. After the first 12 months have elapsed, you can activate the Travel Pack service only when you need it, as a subscription.

The card includes ATM robbery insurance, with the following conditions:

• The maximum indemnity limit is €600 per claim and card, and €1,200 per card per year.
• The insurance coverage extends for 15 minutes after the cash withdrawal is made.
• To receive the compensation, you must pay €30 as an excess.

A fee of 3% will be applied to the equivalent amount in euros for any transactions you make outside the eurozone, based on the exchange rate in effect for the payment systems on the corresponding settlement date.

Before withdrawing cash, the corresponding fees will always be displayed on the ATM screen.

The CVV (Card Verification Value) code on the debit card is used to verify that the person who owns the card is the one making the purchase. This code is usually printed on the back of the physical card. 

To add one more layer of security, all Aqua Cards feature a dynamic CVV. This code is generated with every online purchase and is only valid for 5 minutes. This way, your money is even more protected against potential fraud or cyberattacks.

The law requires us to give you this document with the pre-contractual information on the payment services of the Aqua debit card to help you better understand its terms so you can make an informed decision.

It's also important to check the PSD2 European regulation on the security of card payments.