Open the app, glance at your phone, and your payment’s already done. That’s not magic — it’s BBVA’s new app.
BBVA has launched a new version of its mobile app in Spain. The focus is speed, simplicity, and automation. Payments can now be made instantly, with no need to search for cards or contacts.
The app, launched on May 20, opens straight to key features. Customers can send money with Bizum, check their card details, or make payments immediately. Biometric login replaces passwords. A new discreet mode hides balances and transactions for added privacy.
BBVA has built its own wallet into the app. Users no longer need to rely on third-party tools to manage cards or send payments as everything is integrated and accessible within seconds.
Faster access, fewer steps
The app runs six times faster than the previous version. It opens directly to functions customers use most, including peer-to-peer payments and card management. This reduces the number of taps required to send money or pay a bill.
Card information, including PAN, expiry date, and CVV, is available instantly. Payments can be made without needing to navigate through menus. By simplifying these tasks, BBVA is aiming to keep users in control without slowing them down.
AI that supports payment behaviour
The app uses artificial intelligence to learn from customer habits. Over time, it adjusts the layout and prioritises tools based on individual usage patterns. Frequent payees and common transactions move to the top of the screen.
BBVA’s AI also predicts upcoming bills. It alerts users in advance and suggests ways to prepare for payments. If a customer doesn’t have enough funds to cover a bill, the app can trigger an automatic overdraft of up to €300, helping to prevent missed payments.
An AI-powered financial coach is also included in the app. It reviews income, expenses, savings, and debt, then offers recommendations. Users can choose to set goals or track spending by category.
The app also helps customers set money aside. A digital piggy bank separates savings from the current account; users who save regularly from their salary, pension, or unemployment benefits can receive a bonus of up to €20 per month, for three months.
Designed for expansion
The app has been developed with a single, native codebase. This allows BBVA to roll it out to other markets where the bank operates. Future updates will expand the range of features, including tools for energy usage and insurance, as well as new payment and investment options.
BBVA’s update reflects a shift in how banks are approaching digital payments. It moves away from menus and interfaces, and towards automation, personalisation, and immediate access.
The goal is to reduce effort, increase control, and make payments feel like a natural part of daily life.
