What BBVA Actually Charges You
BBVA hands out a free online account with one hand and bills up to 160 euros a year with the other if you sit in the wrong account. The fee schedule rewards loyalty conditions and quietly charges everyone else.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | Up to €160/year | The Cuenta Online costs €0. On Cuenta Elección and Va Contigo, BBVA charges up to €40 per quarter unless you deposit income and meet direct debit or product conditions; partial compliance still costs €15 per quarter. |
| Cards | €35/year | Debit card fee on traditional accounts like Va Contigo when conditions are not met. Free with the Cuenta Online. |
| ATM withdrawals | €0 at BBVA ATMs | Debit withdrawals at BBVA's own ATMs in Spain are free. At other banks' ATMs, BBVA passes on the full surcharge set by the ATM owner. |
| Foreign exchange | 3% | Currency exchange fee on card purchases in non-euro currencies above the first €300 per month, and on all cash withdrawals abroad. BBVA sells a Pack Viajes from €2.99/month to remove its own fee. |
| Overdraft | 4.5% (min €15) | Overdraft fee on the largest overdrawn balance per settlement period, plus 7.25% TIN debtor interest on top. |
| Transfers | €0 online | Standard and instant SEPA transfers are free through the app and website. The same transfer ordered at a branch costs 0.40% with a €6 minimum. |
Questions people actually ask
It depends on the account. The Cuenta Online has no maintenance fee. On the Cuenta Elección, BBVA charges up to €40 per quarter (€160 per year) unless you deposit income and meet payment or product conditions.
Either move to the Cuenta Online, which has no maintenance or card fees, or meet the Cuenta Elección conditions: a regular income deposit plus direct debits, card payments or a contracted BBVA product.
BBVA passes on 100% of the surcharge set by the ATM's owner, which is typically around €2 in Spain. Withdrawals at BBVA's own ATMs are free.
Purchases in non-euro currencies are free up to €300 per month; above that BBVA applies a 3% currency exchange fee. All cash withdrawals abroad carry the 3% fee from the first euro.
BBVA charges a 4.5% overdraft fee with a €15 minimum on the largest overdrawn balance of the period, plus 7.25% TIN debtor interest. Even a small slip below zero starts at €15.
Sources
Every number above comes from the bank's own documents.
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