Comparison

BBVA Spain | Online banking vs Anfix

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

BBVA Spain | Online banking

This banking app uses AI to personalize your financial experience, offering faster transactions and a financial coach to help you save and reduce expenses. It also includes features like a virtual assistant, multi-bank connectivity, and tools for mortgages, loans, and investments.

Highlights
  • AI-powered personalized shortcuts
  • Financial Coach for savings and expense reduction
  • Virtual assistant for customer support
  • Multi-bank account aggregation
  • Bizum instant money transfers
  • Mortgage and loan simulators
  • Investment tools and courses
Features
Read full description

The reference app in the financial market, trusted by over 8 million customers. Manage your personal finances, bank accounts, cards, savings, and investments quickly, easily, and 100% securely. MORE SPEED AND PERSONALIZATION We use Artificial Intelligence (AI) to optimize every banking operation. Make your online purchases or routine bank transfers with a single click. Plus, forget about searching for the same contact to send a Bizum; the app automatically organizes your favorite operations, payments, and financial products directly on the home menu so you don't waste time. WHAT'S NEW AND FEATURED SERVICES AT BBVA AQUA CARDS WITH AI AND COMMISSION-FREE PURCHASES ABROAD Your Aqua Card is a pioneer in banking security: no printed numbers and a dynamic CVV that changes with every online purchase. Now it goes a step further: • Unique design generated with AI: Personalize your Aqua Debit or Credit Card with exclusive images created by Artificial Intelligence. • Travel abroad without commissions: With the Travel Pack, pay at merchants worldwide in another currency (dollars, pounds...) without currency exchange fees (up to €300/month free on the Essential Plan). Plus, withdraw cash at international ATMs. If you are under 30, the Superior Pack is included! • Digital turn off and on: If you lose it, turn it off and on instantly from the app. FAST TRACK MORTGAGE: YOUR AMOUNT IN LESS THAN 8 HOURS Forget about simple mortgage simulators. With the Fast Track service, find out the real viability and exact amount to finance your future home. • No paperwork or waiting: Connect your official data in a 100% secure way (Tax Agency and Social Security) via Cl@ve Móvil. • In less than 8 business hours, you will get your personalized proposal with no obligation and without being a prior customer. YOUR FINANCIAL COACH AND EXPENSE CONTROL We help you improve your financial health with an automatic diagnosis of your monthly savings capacity. • AI analyzes your income and expenses to offer you a personalized plan. • Detect subscriptions and small recurring expenses, build an emergency financial cushion, and track the evolution of your money month by month. ALL FINANCIAL TOOLS AT YOUR FINGERTIPS • Bank Accounts and Bizum: Open your Fee-Free Online Account in 10 minutes. Pay or request money via Bizum instantly. Also available for minors (Kids' Online Account with adapted app and Bizum from age 12). • Financial Health and Bank Aggregation: Connect your other banks to see all your accounts, cards, and loans on a single screen. • Smart Discrete Mode: Automatically hide balances and transactions in public places to protect your privacy. • Blue Virtual Assistant: Resolve doubts 24/7 about transfers, bills, and operations with our AI chatbot. • Personal Loans: Simulate your monthly installment and apply for your personal loan 100% online. • Insurance: Apply for and manage your car, home, life, or health insurance directly from the app. • Investments, Funds, and Stock Market: Invest in the stock market, investment funds tailored to your profile, and trade with BBVA Trader. If you have negative returns on your funds in your first year, BBVA refunds you up to €300. • Pension Plans: Plan your retirement with periodic contributions and fee-free transfers. • Freelancers and Businesses: Invoicing management, mobile POS collection, and financing for your business. • BBVA Friend Plan: Invite your friends to open an online account and earn money. Additionally, the app is compatible with smartwatches and Wear OS. SUPPORT AND CUSTOMER SERVICE Do you have any questions or suggestions about the app? Write to us at bbvabancamovil@bbva.com If your terminal is not compatible, access your finances on BBVA Mobile Banking from bbva.es in your browser.

About

Anfix

This cloud-based accounting software simplifies invoicing and bookkeeping for freelancers and businesses. It allows instant invoice creation, ticket digitization, bank account connection, and real-time collaboration with accountants. Manage your business finances efficiently from anywhere.

Highlights
  • Instant invoice creation and sending
  • Digitize tickets with photos
  • Connect bank accounts for real-time balance
  • Share access with accountants
  • Create and send quotes
  • Automatic data backups
  • Professional invoice templates
Features
Read full description

Anfix es el software de contabilidad en la nube que te ayuda con la facturación y la contabilidad, tanto si eres autónomo o empresa. Además podrás estar conectado con tu gestor para que la gestión de tu negocio nunca sea un problema. 1- Crea y envía facturas al instante estés donde estés y recibe notificaciones en tiempo real una vez tus clientes hayan recibido, descargado o pagado tus facturas. No perderás ni un detalle del estado de tu facturación. 2- ¡Olvídate de perder más tickets! Digitaliza tus tickets con una simple foto y añade la información automáticamente a tu contabilidad. Todo con total validez legal, pues Anfix es la única aplicación homologada por las todas las Agencias Tributarias españolas. 3- Conecta con tus bancos y revisa el saldo de todas tus cuentas bancarias de un solo vistazo y en tiempo real. Además, podrás conciliar tus movimientos de ingreso y de gastos con un simple clic. 4- Da acceso a tu asesor o gestor y olvídate de enviarle documentación mes a mes, ¡pues la tendrá al instante! Ahorrarás tiempo y eliminarás el error humano a la hora de introducir datos. 5- Crea y envía presupuestos con tan solo unos clics desde tu móvil. No pierdas tiempo en cerrar un proyecto. 6- ¡Tus datos nunca han estado tan seguros! Nosotros hacemos las copias de seguridad por ti de forma automática. Además podrás exportar y llevarte tus datos cuando quieras. MÁS VENTAJAS - Plantilla de facturas profesionales. - Gestión y seguimiento de proyectos. - Comenta las facturas con tus clientes. - Cobros y pagos. - Gestión de almacenes y stock. - Control de la contabilidad. - Gestión de impuestos. - Usuarios ilimitados. - Backups automáticos. - Importación de datos. - Soporte técnico gratuito. - Máxima seguridad. Con la app de Anfix sacarás más partido a tu negocio. Descarga Anfix ahora y pruébalo gratis durante 15 días para empezar a ahorrar tiempo y dinero en la gestión de tu negocio. También disponible para Apple Watch. ------------- La descarga y el uso de la app de Anfix son gratuitos con las versiones de pago Freelance, Profesional y Empresarial mediante una suscripción de renovación automática mensual. Las suscripciones se cargan en tu tarjeta de crédito a través de su cuenta de iTunes. La renovación es automática, salvo que se cancele al menos 24 horas antes del final del periodo actual. Tras la compra, las suscripciones pueden ser administradas por el usuario y la renovación automática puede desactivarse yendo a la configuración de la cuenta del usuario. Cualquier parte no utilizada de un período de prueba gratuito, si se ofrece, se perderá cuando el usuario compre una suscripción a esa publicación, cuando corresponda. Condiciones de uso: https://anfix.com/condiciones-generales-de-uso/ Política de privacidad: https://anfix.com/politica-de-privacidad/

Screenshots

BBVA Spain | Online banking4 screens
Anfix4 screens

Verdict

The call

The clearest difference is in-app purchases: BBVA Spain | Online banking at none against Anfix's 10. BBVA Spain | Online banking also leads on review sentiment (49% vs 18%) and device support (4 vs 2). Anfix's advantage is update cadence (weekly vs every 3 weeks). On price, ads and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Anfix sells 3 in-app purchases, starting at $12.99 per month. BBVA Spain | Online banking asks for nothing beyond the download.

UpkeepUpdate frequency

BBVA Spain | Online banking ships an update every 3 weeks, Anfix weekly. The most recent releases landed on October 27, 2026 and October 15, 2026 respectively.

Scorecard5 real differences · 5 level
BBVA Spain | Online banking versus Anfix: the parameters behind the verdict, then further details
ParameterBBVA Spain | Online bankingAnfix
PriceFreeFree
Rating4.8 (3.2K ratings) — better—
Positive reviews49.3% of reviews — better17.5% of reviews
Number of ratings3.2K — better—
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad
Requires iOS15.0 — better16.4
Further details — not scored
Size736 MB46 MB
Age rating4+4+
DeveloperBBVAAnfix Software S.L.

Customer experience

BBVA Spain | Online banking

All ratings3,151 ratings
Positive96.4%
Neutral0.6%
Negative3.0%
Written reviews225 reviews
Positive49.3%
Neutral6.7%
Negative44.0%

Anfix

Written reviews40 reviews
Positive17.5%
Neutral17.5%
Negative65.0%

Bugs and requests

BBVA Spain | Online banking

Reported bugs

4 issues
  • Login issues and account lockouts
  • Transactions not showing up correctly
  • Frequent crashes and app freezes
  • Geolocation errors

Requested features

4 requests
  • Improved biometric authentication
  • Ability to change phone number easily
  • Better support for international users
  • More customization options

Anfix

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BBVA Spain | Online banking

No in-app purchases

3 purchases

Anfix

Subscriptions3
  • Freelance4 variants$12.991 Month
  • Profesional4 variants$24.491 Month
  • Empresarial2 variants$65.991 Month

Questions

Is BBVA Spain | Online banking free?
BBVA Spain | Online banking is free to download, with no in-app purchases.
Is Anfix free?
Anfix is free to download, with in-app purchases available.
Do BBVA Spain | Online banking or Anfix have ads?
Neither BBVA Spain | Online banking nor Anfix shows ads.
Which is updated more often, BBVA Spain | Online banking or Anfix?
BBVA Spain | Online banking ships an update every 3 weeks, and Anfix weekly. Most recently, BBVA Spain | Online banking was updated on October 27, 2026 and Anfix on October 15, 2026.

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