Overall I’m fairly pleased with BBVA, but there is still significant room for improvement.I joined BBVA in November 2025 after leaving Commerzbank, mainly due to increasing disappointment with their service quality and the fact that is no longer free. BBVA’s sign-up benefits such as cashback and savings offers are nice, but I wouldn’t recommend joining solely for those, as they only last six months.Over the past two months, I’ve had issues receiving my physical card. This may partly be due to the location of my mailbox, as delivery drivers sometimes struggle to find it. On the positive side, phone support is quick to answer, and the English-language support is decent but I'm not a fan of the call authentication process, which requires providing specific positions of a password. I would strongly prefer a more modern zero trust option such as SMS-based 2FA. (around 4/5).The most frustrating aspects are the in-app support conversations, where agents sometimes stop responding, and a recurring app issue where I need to press the login button multiple times before it opens.Apple Pay is supported, but the implementation is quite weak. It lacks some automatic integrations that Commerzbank offered, such as a separate virtual card and automatic details refresh. Additionally, some online merchants reject Apple Pay transactions, forcing me to use Revolut instead-something that never happened with Commerzbank and is honestly embarrassing for a primary bank.I’m also disappointed to see that BBVA does not offer joint accounts. As I’m currently moving in with my partner, this may become a deciding factor for switching to another provider in the future.Withdrawing and deposing money is also a slippery slope because there is a minimum withdraw amount of 150 euros in order to avoid fees and for depositing money it can be done via supermarkets but it's only temporary since they plan to stop supporting this in the future.In summary, BBVA is acceptable as a free banking service with English support and a Visa card that works in most places. However, the service feels very bare-bones and lacks several features that I would expect from a modern bank.
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