BBVA Spain | Online banking vs Consulter

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.

La aplicación Consulter es la herramienta de colaboración entre usted y su asesoría. Comparta y descargue documentos y tenga acceso a sus impuestos, nóminas, seguros sociales y toda la información necesaria para la gestión de su negocio 24hx7d. Envíe sus facturas, compras y gastos desde su dispositivo mediante una captura fotográfica o subiendo PDF directamente. Podrá visualizar en tiempo real la información contable, fiscal y laboral con completos KPIS completamente personalizables. Además, Consulter pone a su disposición un sistema ERP multi-idioma y multi-divisa, para gestionar su facturación, gestión de compras, cobros y pagos, facturas recurrentes, etc. Todo desde un único dispositivo y adaptado a los cambios legales que se requieren. Aviso legal: Esta aplicación no está afiliada, respaldada ni gestionada por ningún organismo público o entidad gubernamental. Los datos y cálculos mostrados provienen de su asesoría y no de fuentes oficiales. Fuentes oficiales de información: Agencia Tributaria: https://www.agenciatributaria.es Seguridad Social:Seguridad Social: Internethttps://www.seg-social.es