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.

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.

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

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.

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.

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.

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

Let's start from scratch, with no fees or conditions

You will enjoy your online account and card for €0 with no fees and no strings attached.
You will have the security of your Aqua Debit Card.
And you will save up to €720 if you bring your bills.

Become a BBVA customer

Get your account and card in just a few minutes. Only for new customers.

The important thing about your online account is that it costs you nothing

Free-Free Account

No account administration or maintenance fees and no need to bring over your paycheck. 0% NIR 0% APR.

Aqua Debit Card

No issue or maintenance fees, you can use it right away.

For online transfers

Within the European Economic Area and for debit cash withdrawals at more than 4500 BBVA ATMs.

When you arrive, it will feel like we've known each other for much longer.

Begin step by step

In the app, we'll guide you to create your account and get your card up and running instantly.
We'll handle the change for you

If you have an account or income in another bank, we will manage the change to BBVA, free of charge.
With Bizum, with more features

Only at BBVA will you be able to use a more practical and extended version of Bizum.
With a team at your side

From day one, you can talk directly to an expert.

Share expenses with your loved ones

You can create groups to split expenses between friends or family. And calculate instantly who owes whom.

Shop more securely

Your card's CVV code will change with each online payment, and you'll be able to track purchases with the app.

No-fee transfers

Both nationally and in the European Economic Area. You can schedule them so you don't forget them.

Turn off and turn on

If you can't find your card, you can immediately turn it off. We will also send you real-time notifications.

Become a BBVA customer

Are you traveling to another country? Experience fee-free card usage, just as if you were at home

If you are between 18 and 30 years old, you can use the Travel Pack service free of charge during your first 12 months at BBVA and save on fees:

When paying in foreign currency in stores and restaurants. No limits apply.
When withdrawing cash at foreign ATMs, up to 3 times a month.

Become a BBVA customer

How the Travel Pack works.

If you like controlling your expenses

You will receive notifications before a charge arrives at your online account. You can also create budgets so you don't exceed your limit.

If you share your life with someone

A Second Account without fees will come in handy to share the household's expenses and save together.

If you want to save for your plans

To travel, study, get married... Activate the automatic rules and check how your savings grow effortlessly.

If you have minor children

You can open an online account for them to save their money, while they gradually learn how to manage it.

Become a BBVA customer

Do you like BBVA? You can share it with your family and friends and get up to €350

Over 600,000 people are happy with us and have invited their friends or relatives. With the Amigo Plan, you can get €35 for every person you bring and they get €35. Want to join the plan?

Become a BBVA customer

How does the Plan Amigo work?

Fee-Free Online Account

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

Aqua Debit 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.

More than 1.5 million people are already enjoying it

Become a BBVA customer

You will have the convenience of deciding how you want to pay

Because sometimes it can be better for you to pay gradually and not all at once

You can buy first and pay later with the Aqua Más Card

An optional credit card, with no issue or maintenance fees. You can have it at no cost and use it to pay easily when your expenses go up.

When you become a BBVA customer, we will assess whether we can offer you this card and, if you want, you can take it out with your account.

See Aqua Más Card

Or, if you prefer, pay for your purchase and then pay the amount in installments over several months

The account includes a service that will give you the option of paying in installments, provided that the expenses have the “pay in installments” tag (purchases, bills, taxes and transfers).

You will only pay for this service if you use it, and the cost will depend on the period over which you choose to spread the amount. You can also calculate the cost with no obligation before deciding.

See Installment payment service

How to open your Fee-Free Online Account in a few steps

Choose one or two account holders

You can open the account for yourself or share it with someone else.
Take photos of your ID card/Residence card

We'll verify your identity with a video call at the end of the process.
Complete your details

In addition, you will need to create your login password for online banking.
Sign the contract

We will send you a free SMS to your cell phone to sign.

Chosen as the best checking account of 2023 in Rankia

Some questions that may come up

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.

Fee-Free Online Account

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

Let's start from scratch, with no fees or conditions