Comparison

BBVA Spain | Online banking vs Mutuactivos

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

Mutuactivos

Manage your investment products and stay updated on financial markets. Access daily updated financial assets, investment performance, and product information. Contact your advisor and schedule appointments easily.

Highlights
  • Manage investment products
  • Track financial markets
  • View daily updated assets
  • Monitor investment performance
  • Access product information
  • Contact personal advisor
  • Schedule office appointments
Features
Read full description

Con la aplicación de Mutuactivos, podrás informarte y gestionar tus productos de inversión ofrecidos por Mutua Madrileña, además de estar al día sobre los mercados financieros, tanto nacionales como internacionales. Mutuactivos, la gestora multiproducto para finanzas de Mutua Madrileña, te ofrece información sobre la previsión económica teniendo en cuenta tus productos contratados, sean seguros de ahorro, fondos de inversión o planes de pensiones. Desde la aplicación, ponemos a tu servicio los siguientes servicios: - Consultar rápida e intuitivamente tus finanzas personales y activos financieros actualizados a diario.
- Información actualizada de valores liquidativos, rentabilidades y tus inversiones.
- Gráficas de rentabilidades y evolución de tus productos de inversión.
- Información de la gama de productos de inversión y ahorro de Mutuactivos: Fondos de inversión, seguros de ahorro y planes de pensiones.
- Información de tus contratos y operaciones.
- Información de promociones, novedades del mercado financiero y eventos de Mutuactivos.
- Documentación legal y periódica de tus activos financieros.
- Información de contacto y oficinas de Mutuactivos. Además, podrás pedir una cita en las diferentes oficinas.
- Contactar a tu asesor personal y realizar las consultas que desees.
- Acceso a la App a través de la huella digital o reconocimiento facial. Descarga la App de Mutuactivos y disfruta de todas las ventajas que puede aportar a tus finanzas personales.

Screenshots

BBVA Spain | Online banking4 screens
Mutuactivos4 screens

Verdict

The call

The clearest difference is ratings volume: BBVA Spain | Online banking at 3.2K against Mutuactivos's 1. BBVA Spain | Online banking also leads on review sentiment (49% vs 26%). On price, rating, update cadence and ads 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Mutuactivos holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: BBVA Spain | Online banking has 3.2K ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 49% of BBVA Spain | Online banking's written reviews are positive against 26% of Mutuactivos's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BBVA Spain | Online banking ships an update every 3 weeks, Mutuactivos every 6 weeks. The most recent releases landed on November 10, 2026 and November 1, 2026 respectively.

Scorecard2 real differences · 8 level
BBVA Spain | Online banking versus Mutuactivos: the parameters behind the verdict, then further details
ParameterBBVA Spain | Online bankingMutuactivos
PriceFreeFree
Rating4.8 (3.2K ratings)5.0 (1 ratings) — better
Positive reviews49.3% of reviews — better25.5% of reviews
Number of ratings3.2K — better1
Update frequencyEvery 3 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size736 MB96 MB
Age rating4+4+
DeveloperBBVAMutua Madrileña

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%

Mutuactivos

Written reviews47 reviews
Positive25.5%
Neutral0.0%
Negative74.5%

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

Mutuactivos

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BBVA Spain | Online banking

No in-app purchases

None

Mutuactivos

No in-app purchases

Questions

Is BBVA Spain | Online banking free?
BBVA Spain | Online banking is free to download, with no in-app purchases.
Is Mutuactivos free?
Mutuactivos is free to download, with no in-app purchases.
Which has better reviews, BBVA Spain | Online banking or Mutuactivos?
Mutuactivos is rated higher. BBVA Spain | Online banking averages 4.8 out of 5 from 3.2K ratings, while Mutuactivos averages 5.0 from 1 ratings.
Do BBVA Spain | Online banking or Mutuactivos have ads?
Neither BBVA Spain | Online banking nor Mutuactivos shows ads.
Which is updated more often, BBVA Spain | Online banking or Mutuactivos?
BBVA Spain | Online banking ships an update every 3 weeks, and Mutuactivos every 6 weeks. Most recently, BBVA Spain | Online banking was updated on November 10, 2026 and Mutuactivos on November 1, 2026.

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