Bank Accounts from a major bank

BBVA's online account is for new customers only. To open it, you have to meet the following requirements:

• Be an adult (18 years or older).
• Have a valid DNI (or TIE).
• In addition, during the registration process you will need a mobile phone, a device with a camera and a stable internet connection.

You can open an online account at bbva.es and in the BBVA app; the process will take about 10 minutes.

BBVA offers a range of accounts designed to suit different stages of life and financial needs:

• Online Account: For new customers looking to manage their banking entirely online, with no fees or conditions.
• Salary Account: Designed for customers who want to direct deposit their salary or pension and enjoy exclusive benefits.
• Youth Account: Designed for young people aged 18 to 35, with no maintenance fees and tailored to everyday banking needs.
• Children's account: Designed for children and teenagers (ages 0 to 17), ideal for introducing financial education early on and always under the supervision of their legal guardians.

Opening a bank account with BBVA gives you access to a financial ecosystem designed to make everyday banking easier, with the following key benefits:

• Award-winning app: You can manage your money through the BBVA app, which is internationally recognized and has received multiple awards for its innovation, security, and ease of use.
• Extensive network of ATMs: You have access to more than 6,000 ATMs across Spain to withdraw cash on debit without fees.
• Instant transfers: In accordance with Regulation (EU) 2024/886, instant online transfers have exactly the same cost as standard transfers. For many of our accounts (such as the Online Account), both are free.
• Security and control: Tools to instantly lock or unlock your cards, real-time notifications, and biometric authentication to access your accounts.

Setting up direct debits with BBVA is a very simple process that you can complete 100% online, without needing to go to a branch. You have two main options:

Option 1: Through the Account Switching Service (Automatic)

1. Log in to your private area on the BBVA website or app. 
2. Look for the option “Bank Switching Service” or “Account Transfer”.
3. Enter the details of your previous bank. BBVA will take care of transferring all your direct debits free of charge within 13 business days.

Option 2: Setting up direct debits manually

1. Go to the BBVA app and select your account.
2. Go to the “Direct Debits” section and tap “Set up a direct debit”.
3. Take a photo of the paper bill you want to set up as a direct debit or upload the PDF document. The app will automatically read the details (issuer, amount, reference).
4. Verify that the information is correct and confirm the transaction.

 The BBVA app lets you carry your bank in your pocket and carry out almost all everyday banking operations without visiting a branch. Among the most important functions, you can:

• Check your account balance and transactions in real time.
• Send and receive money through transfers (standard and instant) or Bizum.
• Turn your cards on or off or set usage limits for security purposes.
• Direct debit bills simply by taking a photo of them.
• Pay taxes and non-direct debited bills.
• Take out new products (cards, loans, investment funds) and communicate directly with your adviser.

 You can review your transaction history and download official statements at any time. To do so from the BBVA app or website, follow these steps:

1. Log in to your private area (app or bbva.es) using your security credentials or biometrics.
2. Select the bank account you want to check. 
3. On the account’s main screen, scroll down to see a detailed list of your most recent transactions (income and expenses).
4. If you need an official document, go to the account options menu, look for the “Statements” or “Correspondence” section, and download the file in PDF format.