Struggling to open a bank account in Spain? BBVA, Spain’s 2nd largest bank, offers a seamless online process—zero fees, no branch visits, and a €50 bonus for new users who spend €50+. This step-by-step guide covers requirements, instructions, and insider tips for hassle-free registration.
1. Required Documents (Simple Checklist)
✅ Primary ID
Valid Spanish NIE/TIE card (photo version for online activation; non-photo NIE requires in-branch verification)
Smartphone/computer with camera (for document scanning and facial recognition)
✅ Additional Info
Spanish mobile number (for SMS verification codes)
Active email address (for account activation notices)
Spanish residential address (including street number for card delivery)
Document Type: Select「TIE/NIE con foto」(photo version enables online activation)
Enter NIE Number: Format: letter+digits (e.g., X12345678Z), no spaces
Data Consent: Check all boxes (opt-out of promotions if preferred, but may miss bonuses)
❹ Provide Contact Details
Phone Number: Enter Spanish mobile (9 digits starting with 6/7, no +34 prefix)
Email: Re-enter to confirm, used for activation notifications
❺ Upload Docs & Biometrics
Scan NIE Card: Clear photos of front/back (no glare), use in-app camera for instant upload
Selfie & Video: Take a front-facing photo and 3-second video holding your NIE card (good lighting required)
❻ Fill Personal & Financial Info
Occupation: Select「Estudiante」for students,「Trabajo en una empresa」for employees
Residence Date: Format「dd/mm/aaaa」, address must include exact street number
❼ Set Account Password
Password Rules: 4-6 characters with numbers+letters (e.g., Ab1234), no special symbols
Promo Code: Enter 90030013441431 for new users to unlock €50 bonus on ≥€50 spend
❽ Review & Submit
Double-check name, address, and NIE number (case-sensitive match with your card)
Accept privacy policies and click「Continuar」to finalize
❾ Activation & Card Delivery
Approval Time: 1-3 business days, activation link sent to your email
Card Mailing: Delivered to registered address in 3-5 days, present NIE for Sign for
4. FAQs & Common Pitfalls
❓ Q1：Can I apply without a NIE? ✅ No—online registration requires a valid NIE/TIE. Passport holders must visit a branch.
❓ Q2：How does the €50 bonus work? ✅ Enter the promo code during registration, then spend ≥€50 within 60 days (e.g., grocery shopping, online payments). Cashback posts automatically.
❓ Q3：Wrong address entered? ✅ Update it in「Settings-Address Management」after Open an account. Recall undelivered cards by contacting BBVA support.
5. Exclusive Offers: Up to €720 in Bonuses
Bill Rebate: Submit utility bills (electricity/gas/internet), maintain €400 average balance for 12 months, earn €60/month (total €720)
Referral Program: Get €35 per friend who signs up and meets criteria, up to €350 with 10 referrals
Note: Both offers stack, valid until 31/03/2024—enter promo codes during registration.
6. Conclusion: Open Your BBVA Account in 30 Minutes
BBVA’s online platform is ideal for expats, students, and residents seeking a fee-free, efficient banking solution in Spain. Follow these steps to avoid common mistakes like blurry document scans or address errors. Activate today to enjoy free EU transfers, cashback rewards, and seamless financial management!
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