{"id":1240,"date":"2026-01-24T01:03:08","date_gmt":"2026-01-23T23:03:08","guid":{"rendered":"https:\/\/digitalfinance.best\/?p=1240"},"modified":"2026-01-24T01:03:08","modified_gmt":"2026-01-23T23:03:08","slug":"bbva-app-review-bringing-traditional-banking-and-fintech-together","status":"publish","type":"post","link":"https:\/\/smebanking.agency\/platform\/bbva-app-review-bringing-traditional-banking-and-fintech-together\/","title":{"rendered":"BBVA App Review: Bringing Traditional Banking and Fintech Together"},"content":{"rendered":"
<\/div>\n

BBVA bank’s full name is Banco Bilbao Vizcaya Argentaria, S.A. It is a Spanish multinational financial institution with assets valued at \u20ac662,68 billion as of December 31, 2021. BBVA’s history began in 1857 in Bilbao, Spain. The company started as a local bank and gradually expanded throughout the country and the world. With the opening of a branch in Paris in 1902 and another in London in 1918, the Banco de Bilbao became the first Spanish bank to expand abroad.<\/p>\n\n\n\n

Now, the BBVA Group operates in over 30 countries across Europe and the Americas, with 6,071 offices, 110,432 employees, and 82.9 million customers. The latest opening was in Italy, where BBVA began functioning as a virtual bank in 2021. The case of BBVA Italy is a stellar example of how traditional banks can reinvent their business models to compete with and sometimes even outperform fintechs. Digital transformation was the right choice for the BBVA Group to future-proof its business. The company developed an advanced banking app comparable with leading fintech products. With this BBVA review, we’re looking to examine precisely how this app works and what it has to offer.<\/p>\n\n\n

BBVA App Review<\/h2>\n\n\n

There is an app for every country in which BBVA operates. Also, BBVA has trading apps, mobile banking for companies, and money transfer apps. However, since BBVA is based in Madrid, we focused our review solely on its Spanish app.<\/p>\n\n\n

BBVA mobile app (Google Play<\/a>)<\/h3>\n\n\n

Category: Finance, Banking<\/p>\n\n\n\n

Released: January 30, 2014<\/p>\n\n\n\n

Current version: Varies with device<\/p>\n\n\n\n

Latest update: Apr 18, 2023<\/p>\n\n\n\n

Downloads: over 10 million<\/p>\n\n\n\n

Rating: 4.6<\/p>\n\n\n\n

\n
\"\"<\/a><\/figure>\n\n\n\n
\"\"<\/a><\/figure>\n\n\n\n
\"\"<\/a><\/figure>\n\n\n\n
\"\"<\/a><\/figure>\n\n\n\n
\"\"<\/a><\/figure>\n
BBVA mobile app<\/figcaption><\/figure>\n\n\n\n

The latest app update fixed some minor bugs to improve the user experience.<\/p>\n\n\n

Onboarding<\/h3>\n\n\n

Opening a BBVA account through the bank’s app takes a few minutes. The process starts with selecting a service plan. Next, customers must identify themselves and provide personal information such as an address, phone number, etc. Also, users are required to submit a photo ID and a selfie. Face recognition technology allows the bank to ensure that both images coincide. The last step involves a video call that BBVA uses to verify the new customer’s identity.<\/p>\n\n\n\n

A unique feature of the BBVA application is that non-customers can create an account. These users do not have to be bank customers or apply for any financial product to start using the app and most of its functions. Still, non-customer users must provide personal information and their tax number to the BBVA since it is a login ID.<\/p>\n\n\n

Services<\/h3>\n\n\n

A wide variety of packages are available at BBVA for individuals, freelancers, and businesses. For example, there are the following account plans for individuals: Va Contigo Salary Account, Savings Pack, Senior Account, Young Person’s Account, Fee-Free Online Account. These accounts are free of maintenance, administration, and card fees.<\/p>\n\n\n\n

It is important to note that some plans are free only if specific requirements are met. For instance, Salary Account fees are waived only for clients who receive a paycheck over \u20ac800, a pension or unemployment benefit over \u20ac300, or a transfer totaling over \u20ac2,500 per quarter. Meanwhile, the in-app features and services are unconditionally available to anyone, regardless of whether they have an account with the bank.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

In general, BBVA offers a variety of services, including but not limited to:<\/p>\n\n\n\n

    \n
  • Account aggregation service<\/li>\n\n\n\n
  • Fee-free current accounts<\/li>\n\n\n\n
  • Aqua Card (a plastic card with printed numbers and dynamic CVV)<\/li>\n\n\n\n
  • No minimum opening deposit<\/li>\n\n\n\n
  • Free cash withdrawal at BBVA cash machines<\/li>\n\n\n\n
  • Contactless withdrawals<\/li>\n\n\n\n
  • Apple Pay\/Google Pay\/Samsung Pay<\/li>\n\n\n\n
  • Payment of non-direct debit bills<\/li>\n\n\n\n
  • Free online transfers within the European Economic Area (EEA)<\/li>\n\n\n\n
  • Real-time transactions via the Bizum service<\/li>\n\n\n\n
  • Cash up feature to transfer money to other BBVA users through chats<\/li>\n\n\n\n
  • Currency exchange<\/li>\n\n\n\n
  • Scheduled bill payments<\/li>\n\n\n\n
  • Account statistics<\/li>\n\n\n\n
  • Money management tools (projected transactions, etc.)<\/li>\n\n\n\n
  • Investment tools<\/li>\n\n\n\n
  • In-app storage of user’s banking statements, notifications, and so on<\/li>\n\n\n\n
  • Cashback and discount programs<\/li>\n\n\n\n
  • ATM\/Branch locator<\/li>\n<\/ul>\n\n\n\n

    As a bonus, the app is compatible with Wear OS. Users can check their bank accounts, notifications, balances, etc. on their smartwatch.<\/p>\n\n\n

    Design and Usability<\/h3>\n\n\n

    BBVA app is user-friendly and rich in features. It’s a complete and interactive platform with clean backgrounds, comprehensive visuals and statistics graphs, and some gamification elements. Overall, it makes a very positive impression. Customer reviews about BBVA, however, are filled with complaints about the intrusive ads, promotions, and reminders. The app constantly promotes something or asks for a review for every action, which is annoying.<\/p>\n\n\n

    Reliability and Security<\/h3>\n\n\n

    BBVA app is a part of the company’s global cloud platform. The engineering team maximized the potential of the cloud. The platform is fully automatic, self-service, and data-centric, combining real-time and batch data. BBVA app is designed to harden all components, encrypt data and apply authentication between all members. The result is a robust and smoothly working app due to this “defense-in-depth” strategy.<\/p>\n\n\n\n

    Other BBVA app security measures include AI fraud detection, session timeouts, multi-factor authentication, biometric authentication (Touch ID, Face ID), and real-time transaction notifications. Additionally, BBVA customers have complete control over their accounts via the app. One can reset passwords, lock cards, and report unauthorized transactions with just a few taps.<\/p>\n\n\n\n

    \"\"<\/figure>\n\n\n

    Support<\/h3>\n\n\n

    BBVA provides multiple communication channels. Firstly, it provides an online help center with detailed information about services, promotions, bank events, etc. Secondly, there are several phone hotlines and official pages on social media. Finally, there is an in-app virtual assistant. Not too shabby. The support team, however, has been criticized for its rudeness and inefficiency.<\/p>\n\n\n

    Our verdict<\/h2>\n\n\n

    4.8 stars out of 5. The BBVA Group is a large traditional bank that has keep up with the most innovative fintech companies. The bank offers fee-free current accounts, access to loans and mortgages, investment advice and tools, and reasonable transaction fees. Its app is reliable, secure, and packed with advanced features. BBVA deserves five stars, but we cannot ignore various complaints about support and other issues.<\/p>\n\n\n\n

    What we like about BBVA:<\/strong><\/p>\n\n\n\n

      \n
    • Fee-free current accounts<\/li>\n\n\n\n
    • No minimum account opening deposit<\/li>\n\n\n\n
    • Apple Pay\/Google Pay\/Samsung Pay<\/li>\n\n\n\n
    • Free online transfers within the EEA<\/li>\n\n\n\n
    • Contactless withdrawals<\/li>\n\n\n\n
    • Possibility to link other bank accounts<\/li>\n\n\n\n
    • The Cash feature<\/li>\n\n\n\n
    • Real-time payments<\/li>\n\n\n\n
    • Money management and investment tools<\/li>\n\n\n\n
    • Automatic bill payments<\/li>\n\n\n\n
    • In-app cards security control<\/li>\n\n\n\n
    • Cashback, discounts, and reward programs<\/li>\n\n\n\n
    • ATM\/Branch locator<\/li>\n<\/ul>\n\n\n\n

      What we dislike about BBVA:<\/strong><\/p>\n\n\n\n

        \n
      • Intrusive ads<\/li>\n\n\n\n
      • High fees for certain transactions and withdrawals at non-BBVA ATMs<\/li>\n\n\n\n
      • Low interest rates<\/li>\n\n\n\n
      • Customer support needs some improvement<\/li>\n<\/ul>\n\n\n

        Why BBVA?<\/h3>\n\n\n

        BBVA combines the benefits of traditional banking and fintech. It provides everything customers expect from a conventional bank: a full range of financial services, money safety, and data security, and a team of branch managers to assist. Also, it offers reduced fintech-like fees and a sophisticated app for easy money management.<\/p>\n\n\n\n

        \"\"<\/figure>\n\n\n

        Value for customers:<\/h3>\n\n\n

        First, direct deposits or debits are not needed. Users just need a few documents to open a current account at BBVA Spain. Second, there is no account administration fee or debit card issuance fee. Next, the BBVA Aqua Card is both secure and stylish. Finally, the in-app money management tools are fantastic.<\/p>\n\n\n\n

        With the Bank Switching Service, the transfer to BBVA is hassle-free. Customers don’t have to visit a branch or contact the other bank. BBVA does all the paperwork to transfer a customer’s deposits, bills, or an entire account. Also, the Invite a Friend initiative offers a \u20ac35 bonus for every friend a customer refers to BBVA. The invited friend gets a bonus (\u20ac15), too.<\/p>\n\n\n

        Value for partnering businesses:<\/h3>\n\n\n

        The company’s partnership network includes other banks, large brands, retailers, and fintech startups. With over 82 million customers worldwide, the BBVA Group is an attractive partner to many businesses. BBVA built an open banking ecosystem for efficient collaboration with APIs available to third parties. While BBVA now focuses on the innovation sector, any brand or company can apply for a partnership. To qualify, the applicants must offer a product or solution that benefits the BBVA Group and its clientele. A more detailed description of BBVA’s Open Marketplace initiative can be found on its official website.<\/p>\n","protected":false},"excerpt":{"rendered":"

        With this BBVA review, we’re looking to examine precisely how this app works and what it has to offer.<\/p>\n","protected":false},"author":3,"featured_media":1241,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1240","post","type-post","status-publish","format-standard","has-post-thumbnail","category-other","pmpro-has-access"],"yoast_head":"\nBBVA App Review: Bringing Traditional Banking and Fintech Together - SME Banking Platform<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smebanking.agency\/platform\/bbva-app-review-bringing-traditional-banking-and-fintech-together\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BBVA App Review: Bringing Traditional Banking and Fintech Together - 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