BBVA
Major Spanish bank — no-fee current account, up to €760 welcome bonus, AI financial coach, and Bizum payments
Free account
Rating breakdown
Pros
- No-fee current account with up to €760 welcome bonus first year
- AI-powered financial coach and Blue assistant in the app
- Bizum instant payments and aggregation of other bank accounts
- Fund transfer bonus: 2% on amounts moved from other banks
- €100,000 Spanish Deposit Guarantee Fund protection
Cons
- Spain-focused — limited European presence outside Iberia
- Welcome bonuses are promotional and time-limited
- Investment products mainly through advisory, not self-directed
- Mobile app is feature-rich but can be complex for beginners
- Best account conditions require salary domiciliation
Available products
Platform & features
Available on
Key features
Availability
Languages
Available in 3 countries
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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer