Predictika · Current account offers

An AI sales agent's current account fee offer, checked before it goes out

An AI sales agent prepares an offer for a Cuenta Elección current account: the customer's income, payments, linked products and savings, and the quarterly maintenance fee the offer promises. Before the offer goes out, the agent sends it to Predictika, which checks it against a declarative model of the published fee conditions, works out which fee tier applies, compares it with the fee the agent states, and returns a verdict, every reason and the figures it computed.

Scope: BBVA España Cuenta Elección quarterly maintenance fee (0, 15 or 40 euros) for particulares and autónomos: income, payments, products, savings and shares. See everything this validator covers

This validator models fee offers for the Cuenta Elección current account built on the conditions BBVA publishes for it, not just the scenarios shown below.

  • Fee tiers — 0 euros a quarter when the income, payment and product conditions are all met (or savings of 25,000 euros, or 4,000 BBVA shares), 15 euros when income and payments are met, and 40 euros in all other cases; the first four months carry no fee.
  • Particular conditions — payroll or regular income of at least 800 euros, or a pension or benefit of at least 300 euros, in enough of the last four months; five direct debits or seven credit card purchases; a loan, mortgage, insurance, a credit card with 200 euros of spend or savings above 5,000 euros.
  • Autónomo conditions — income of at least 600 euros in at least three of four months through business channels, and at least two payment items (Social Security or professional college, payroll payments, taxes, direct debits, card purchases), plus a product.
  • The offer itself — the quarterly fee and the yearly cost the agent states must match the tier that applies, and a promised waiver of a fee that is owed goes to a person.

Any Cuenta Elección fee offer that touches these conditions is in scope, not only the scenarios pictured here. The fee tiers and conditions are as published on the BBVA España pages in October 2026. The waiver approval, the input limits and the way income months, savings months and counts are supplied are modeled and are not BBVA rules. Not covered: other BBVA accounts (for example Cuenta Online), card fees, transfer and cash fees, interest rates, the youth and minor accounts, and the exact review calendar. The validator produces no price build-up beyond the published fee tiers.

The AI sales agentBuilds the account fee offer from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A fee tier that depends on three groups of conditions at onceOnly with care
Income, payments and products are separate groups with their own thresholds and look-back months; a rule per group works, but the combination logic has to be kept in step.		All groups are computed together and the tier follows from them on every call.
Different conditions for particulares and autónomosOnly with care
Two sets of conditions with different thresholds and a count-two-of-five payment rule; each is a separate rule set to maintain.		The holder type selects the conditions inside one model.
Alternative routes (25,000 euros of savings or 4,000 shares)Only with workarounds
The alternatives override the three-group logic, so they need a rule that interacts with all the others.		The alternative routes are part of the same calculation.
A promised fee that must match the tier that appliesOnly with care
A stated figure is a free-entry field; a rule can compare it with a computed one, but someone has to write and maintain that comparison.		The stated quarterly fee and yearly cost travel with the offer and are compared on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the offer is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the offer; approval findings need a person to sign off; everything else is computed.

    
1The Autónomo conditions count income channels such as transfers, cash deposits, remittances and card terminal receipts; a pension is not one of them.
2The offer states a quarterly maintenance fee (from the fifth month) of 0 euros; the conditions give 15 euros.
3The offer states a quarterly maintenance fee (from the fifth month) of 15 euros; the conditions give 0 euros.
4The offer states a yearly maintenance cost of 60 euros; four quarters at the computed fee come to 0 euros.
5The offer promises to waive a maintenance fee of 15 euros a quarter although the conditions are not met; a branch manager should approve it.
6The offer states a quarterly maintenance fee (from the fifth month) of 15 euros; the conditions give 40 euros.
7The offer promises to waive a maintenance fee of 40 euros a quarter although the conditions are not met; a branch manager should approve it.
8The offer lists a monthly income of 1,000 euros but no type of income (payroll, periodic income or pension).
9The months counted for income, savings or shares are outside the look-back windows of 4, 4 and 2 months.
10The account has been open -1 months; it cannot be negative.
11The account has been open -2 months; it cannot be negative.
12The offer states a quarterly maintenance fee (from the fifth month) of 5 euros; the conditions give 0 euros.
13The offer states a yearly maintenance cost of 99 euros; four quarters at the computed fee come to 0 euros.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Salaried customer without a product: Offer with a stated fee of 0 euros and a promised waiver, for a customer with income and payments but no product

    
The agent's request. Please offer a Cuenta Elección account to a salaried customer with payroll of 1,000 euros in 3 of the last 4 months, 6 direct debits, and no linked products. The account has been open 18 months, and the offer promises to waive the fee. The offer states a quarterly maintenance fee of 0 euros and a yearly cost of 0 euros. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated fee differs from the conditions. The offer states a quarterly maintenance fee (from the fifth month) of 0 euros; the conditions give 15 euros.
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  • Stated yearly cost differs from the fee. The offer states a yearly maintenance cost of 0 euros; four quarters at the computed fee come to 60 euros.
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  • Fee waiver outside the conditions. The offer promises to waive a maintenance fee of 15 euros a quarter although the conditions are not met; a branch manager should approve it.
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2. Salaried customer without a product: The agent resubmits after fixing the errors

    
The agent's request. Please offer a Cuenta Elección account to a salaried customer with payroll of 1,000 euros in 3 of the last 4 months, 6 direct debits, and no linked products. The account has been open 18 months, and the offer promises to waive the fee. The offer states a quarterly maintenance fee of 15 euros and a yearly cost of 60 euros. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Fee waiver outside the conditions. The offer promises to waive a maintenance fee of 15 euros a quarter although the conditions are not met; a branch manager should approve it.
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  • Fee summary. Quarterly maintenance fee of 15 euros from the fifth month, 60 euros a year.
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3. Salaried customer without a product: The agent resubmits after fixing the errors

    
The agent's request. Please offer a Cuenta Elección account to a salaried customer with payroll of 1,000 euros in 3 of the last 4 months, 6 direct debits, and no linked products. The account has been open 18 months. The offer states a quarterly maintenance fee of 15 euros and a yearly cost of 60 euros. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Quarterly maintenance fee of 15 euros from the fifth month, 60 euros a year.
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4. Self-employed customer: Offer for a self-employed customer with a pension, one payment item and a stated fee of 15 euros

    
The agent's request. Please offer a Cuenta Elección account to a self-employed customer with a pension of 900 euros in 3 of the last 4 months, Social Security payments, and no linked products. The account has been open 12 months. The offer states a quarterly maintenance fee of 15 euros and a yearly cost of 60 euros. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Pension is not an Autónomo income. The Autónomo conditions count income channels such as transfers, cash deposits, remittances and card terminal receipts; a pension is not one of them.
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  • Stated fee differs from the conditions. The offer states a quarterly maintenance fee (from the fifth month) of 15 euros; the conditions give 40 euros.
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  • Stated yearly cost differs from the fee. The offer states a yearly maintenance cost of 60 euros; four quarters at the computed fee come to 160 euros.
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5. Self-employed customer: The agent resubmits after fixing the errors

    
The agent's request. Please offer a Cuenta Elección account to a self-employed customer with regular monthly income of 700 euros in 3 of the last 4 months, 5 direct debits and Social Security payments, and an insurance. The account has been open 12 months. The offer states a quarterly maintenance fee of 0 euros and a yearly cost of 0 euros. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Quarterly maintenance fee of 0 euros from the fifth month, 0 euros a year.
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6. Savings route: Offer with a stated fee of 0 euros for a customer with 25,000 euros of savings held for one month

    
The agent's request. Please offer a Cuenta Elección account to a salaried customer with no regular income, and savings of 25,000 euros for 1 months. The account has been open 24 months. The offer states a quarterly maintenance fee of 0 euros and a yearly cost of 0 euros. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated fee differs from the conditions. The offer states a quarterly maintenance fee (from the fifth month) of 0 euros; the conditions give 40 euros.
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  • Stated yearly cost differs from the fee. The offer states a yearly maintenance cost of 0 euros; four quarters at the computed fee come to 160 euros.
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7. Savings route: The agent resubmits after fixing the errors

    
The agent's request. Please offer a Cuenta Elección account to a salaried customer with no regular income, and savings of 25,000 euros for 2 months. The account has been open 24 months. The offer states a quarterly maintenance fee of 0 euros and a yearly cost of 0 euros. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Quarterly maintenance fee of 0 euros from the fifth month, 0 euros a year.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares an offer for a Cuenta Elección current account: the customer's income, payments, linked products and savings, and more. Before the offer goes out, the agent sends it to Predictika, which checks it against a declarative model of the published fee conditions, works out which fee tier applies, compares it with the fee the agent states, and returns a verdict, every reason and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please offer a Cuenta Elección account to a self-employed customer with a pension of 900 euros in 3 of the last 4 months, Social Security payments, and no linked products. The account has been open 12 months. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. The Autónomo conditions count income channels such as transfers, cash deposits, remittances and card terminal receipts; a pension is not one of them. The offer states a quarterly maintenance fee (from the fifth month) of 15 euros; the conditions give 40 euros. The offer states a yearly maintenance cost of 60 euros; four quarters at the computed fee come to 160 euros.
    6. 
      
  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the offer are checked against each other.
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  7. What this shows: for different conditions for particulares and autónomos, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the income type to regular monthly income, the monthly income to €700, the direct debits to 5, the insurance to yes, the stated quarterly fee to €0 and the stated yearly cost to €0.
    10. 
      
  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All three earlier findings are cleared.
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  13. Three problems caught in one call, fixed in one pass, and a clean offer. That is the value of Predictika's validator: catching mistakes before the offer goes out. Now you can try the other scenarios yourself.
    14.