BBVA — Spanish global bank headquartered in Bilbao, supervised by Banco de Espana and the ECB, with retail operations across Spain, Mexico, Turkey and Latin America.
- HQ
- Bilbao / Madrid
- Customers
- 75M+ customers worldwide
- Connection
- PSD2 (read-only)
Current accounts and salary inflows
Your BBVA current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.
Savings, deposits and pots
Easy-access savings, fixed-term deposits and goal-based pots offered by BBVA are read alongside the current account so the full balance is never split.
Cards and recurring spend
Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.
Standing orders and direct debits
Mortgage payments, rent, utilities and SEPA direct debits hitting your BBVA account are detected so non-discretionary outflows are clear month-on-month.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Read by Bank AIEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Read by Bank AIJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Read by Bank AIWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Read by Bank AIMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- Mercadona
- Carrefour
- Dia
- Lidl
- El Corte Ingles
- Renfe
- Repsol
- Amazon
Detected subscriptions
- Netflix
- Spotify
- Movistar+
- Disney+
- Movistar
- Orange Espana
- How much sits across my BBVA cuenta corriente and any pension plans today?
- Compare my BBVA card spend at Mercadona and El Corte Ingles with last quarter.
- List every recurring Movistar, Orange and Movistar+ payment on my BBVA account.
- What's the next direct debit due on my BBVA account?
- Bank
Banco Santander
Spanish global bank with retail across Spain, UK, US and LatAm; surfaced in Bank AI.
→ - Bank
CaixaBank
Spanish retail-bank leader by branches; surfaced in Bank AI.
→ - Bank
Banco Sabadell
Spanish retail and corporate bank with a strong SME franchise; surfaced in Bank AI.
→ - Country
🇪🇸 Spain
Spain has one of the most-consolidated banking sectors in Europe after a decade of mergers - five groups (Santander, BBVA, CaixaBank, Sabadell, Bankinter) hold the vast majority of retail deposits.
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Does Bank AI move money on my BBVA account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside BBVA. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the BBVA app.
How does Bank AI connect to BBVA?
BBVA exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.
Does Bank AI surface my BBVA Cuenta Online Sin Comisiones?
Yes. The connection is at account level - Cuenta Online and the legacy retail current accounts are read identically. The fee-free pricing is reflected naturally in the absence of a recurring fee outflow.
What about my BBVA pension plan?
Where BBVA exposes pension-plan positions via PSD2, balances and contribution flows are surfaced alongside the cuenta corriente.
Are BBVA business / autonomos accounts read too?
Where BBVA exposes business / autonomos accounts under PSD2, they appear under your BBVA connection and are tagged separately from personal accounts for clean reporting.
What happens if BBVA raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a BBVA-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.
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