Financial Products
Financial advantages
Take advantage of the financial benefits that come with holding more than 4,000 shares and being a resident of Spain and discover products that will effortlessly increase your share portfolio.
No fees for the current account associated with the share contract
- No administration and maintenance fees for the current account associated with the share contract where the 4,000 or more shares are deposited.
Free credit or debit card
- For Ahora, Después and Ábaco cards paid through the account associated with the share contract. Maximum one per account holder.
Free online and ATM transfers
- No issuing and receiving fees for transfers in euros to Spain and EU Member States plus Liechtenstein, Norway and Iceland made in euros, Swedish crowns or Romanian Leu (RON), for no more than 50.000$, made with charge/credit in the current account associated with the share contract. Excluded urgent transfers, day value and snapshots.
No fees for deposits or checks
- No fees for issuing euro-denominated checks from the account associated with the share contract and for compensation and negotiation for deposits of euro-denominated checks in Spain in the account associated with the share contract.
*Offer available to individuals only resident in Spain.
Help
Check terms and conditions with your BBVA branch in Spain.
Should you have any queries, contac us at:
- The Shareholder Office +34 912 24 98 21
- E-mail: accionistas@bbva.com
Dividend reinvestment plan
The dividend reinvestment plan allows you to reinvest net dividends generated by certain shares in BBVA shares.
Characteristics
- Become the holder of a special reinvestment account bearing an 8% (APR 8.16%) nominal annual interest rate and free of bank expenses and fees.
- The net dividends generated in the chosen percentage by stocks selected from BBVA, Telefónica, Endesa, Santander and Repsol (may vary for each share) shall be paid into your account.
- Choose the reinvestment period: twice (semi-annual) or four times a year (quarterly).
- The reinvestment is done at market prices and is exempt of fees and expenses..The reinvestment is subject to the financial transaction tax (0,20%)
- The purchase price for the stock shall be the arithmetic mean of the BBVA share price from the dividend payment to the day of reinvestment.
- Purchases will not be made in fractional shares, and will be rounded up to purchase a whole number of shares with any expense charged against your account. Should you wish not participate in the rounding up process, you may state this in your contract.
How to sign up
- You can contract this service at any BBVA branch in Spain. The contract holder or holders will have to sign a “dividend reinvestment account” request.
- The only condition for contracting the reinvestment plan is that you have the associated stocks deposited with BBVA.
Help
Should you have any queries, contact us at:
- The Shareholder Office + 34 912 24 98 21
- E-mail: accionistas@grupobbva.com
Savings plan
This plan allows you make monthly contributions of 50 to 500 euros to the special reinvestment account for the purpose os investing in BBVA shares.
Characteristics
- Become the holder of a special reinvestment account bearing an 8% (APR 8.16%) nominal annual interest rate and free of bank expenses and fees.
- Standing transfer order to the special reinvestment account against the customers current account of 50 to 500 euros each month.
- Choose the reinvestment period: twice (semi-annual) or four times a year (quarterly).
- The reinvestment is done at market prices and is exempt of fees and expenses..The reinvestment is subject to the financial transaction tax (0,20%)
- The purchase price for the stock shall be the arithmetic mean of the BBVA share price from the dividend payment to the day of reinvestment.
How to sign up
- Customers can contract this plan at any BBVA branch in Spain.
- To contract the product you must place a standing transfer order, hold a reinvestment account and a BVA stocks account contract.
Help
Should you have any queries, contact us at:
- The Shareholder Office +34 912 24 98 21
- E-mail accionistas@bbva.com
Ábaco card
The Ábaco card is a Visa credit card that allows you to increase your shareholding while paying for goods and services.
Characteristics
- Become the holder of a special reinvestment account giving an 8% (APR 8,16%) nominal annual interest and which is free of bank expenses and fees.
- Purchases are rounded up to the closest multiple of 5 which is then paid into the special reinvestment account.
- Every 3 or 6 months the balance of your reinvestment account (together with accrued interest) is used towards the purchase of BBVA stocks, at no additional expense.
- You must hold at least 1,000 shares to be eligible for this product.
- Your credit limit is 60,000 euros.
- BBVA share contract.
- No fees for the first year.
- Several payment formats are permitted: at the end of the month, deferred payment or a personalized payment (defer over 3 to 36 monthly payments).
Advantages
By contracting the Ábaco card, you have access to the following advantages:
- Bonus payment of 4.5% for purchases of BBVA Services store products made with your card.
- Legal and tax consultancy for the entire year.
- Defense of traffic fines and recovery of points lost from driving license.
- Travel insurance.
How to sign up
- Inquire at any BBVA branch in Spain.
- You must hold at least 1,000 BBVA shares.
- You may request as many cards as there are holders of the shareholders account.
- The card will be associated with a special reinvestment account and a share contract.
Help
Should you have any queries, contact us at:
The Ábaco card is a Visa credit card that allows you to increase your shareholding while paying for goods and services.
Characteristics
- Become the holder of a special reinvestment account giving an 8% (APR 8,16%) nominal annual interest and which is free of bank expenses and fees.
- Purchases are rounded up to the closest multiple of 5 which is then paid into the special reinvestment account.
- Every 3 or 6 months the balance of your reinvestment account (together with accrued interest) is used towards the purchase of BBVA stocks, at no additional expense.
- You must hold at least 1,000 shares to be eligible for this product.
- Your credit limit is 60,000 euros.
- BBVA share contract.
- No fees for the first year.
- Several payment formats are permitted: at the end of the month, deferred payment or a personalized payment (defer over 3 to 36 monthly payments).
Advantages
By contracting the Ábaco card, you have access to the following advantages:
- Bonus payment of 4.5% for purchases of BBVA Services store products made with your card.
- Legal and tax consultancy for the entire year.
- Defense of traffic fines and recovery of points lost from driving license.
- Travel insurance.
How to sign up
- Inquire at any BBVA branch in Spain.
- You must hold at least 1,000 BBVA shares.
- You may request as many cards as there are holders of the shareholders account.
- The card will be associated with a special reinvestment account and a share contract.
Help
Should you have any queries, contact us at:
Updated page 22 October 2026