+€400 for bringing your self-employment contributions
You can get €33.33/month for direct debiting your self-employment contributions.
Welcome Business Account for self-employed professionals
You're on the front lines every day, your account too
Making it much easier and affordable to pursue your projects and grow as a professional
- Account and debit card with no conditions or fees.
- With a specialized adviser to guide you from day one.
- And now you can earn up to €760 in your first year just for using your account, and up to €1,060 if you transfer your savings.
Enter this code when you open your account before 10/20/2026.
Open it 100% online in just a few minutes. Only for new customers.
Take up to €1,060, you decide how much to add
You decide what you want to do and how much to add. You don't need to do it all, you can use your account however you want.
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+€120 for using your card
Pay with your Aqua Debit Card and earn up to €10/month.
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+€120 for using Bizum
We'll give you back up to €10 per month for paying or sending Bizum.
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+€120 for paying your bills.
Direct debit your electricity, gas, internet or telephone bills and earn up to €10/month.
and +€300 for switching your savings
If you keep a balance of €10,000 in the first year, you get €300 a year, that's €25 a month.
And your adviser at your side from day one
From the moment you open your Bienvenida Negocios Account, you will have a dedicated account manager on hand to help you whenever you need it, provide advice, manage your day-to-day business, and answer any questions.
To start with more autonomy and fewer complications
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Until 12/31/2026
POS Terminal + POS Terminal Pass at no cost for the first 12 months
Charge your customers and run your business wherever you are. -
Until 12/31/2026
Financing with a maximum interest rate of up to Euribor +1%
Get the boost your business needs with financing tailored to your needs in both the short and long term.
Enter your details and an adviser will contact you.
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Up to 2% saving on fuel
When paying with your Tarjeta Negocios Debit Card at Repsol, Campsa, and Petronor gas stations. -
Send SEPA direct debits free for the first 12 months
- Choose the day you want to charge your customers.
- Reduce administrative costs.
- Optimize recovery stocks.
- You will have punctual and detailed information of the refunds on the same day they are charged.
*Fuel promotion: Permanent 2% discount on fuel when you use your Negocios Debit Card at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra. This discount will be shown on the Solred bill. The card is subject to approval by BBVA.
With an app that adjusts to your business hours, whatever they are.
Do your banking at any time, anywhere.
Optimal and streamlined processes
Pay your bills, self-employed workers' contributions or taxes, make transfers... without going through the branch.
Manage your cards
Disable or enable your cards or your team's cards. Whatever happens, you'll have control.
Offer payments with Bizum
Customers can choose this fast, simple, and secure payment option with no transaction limit.
Limit expenses
For example, expenses for meals, material or trips. Customize the notification thresholds to suit your preferred amounts.
To move forward with tailored solutions
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Second Account
As a self-employed worker, you can have an additional account with no fees to better organize your finances or savings. -
Insurance for self-employed workers
Giving you more peace of mind in the event of sick leave or non-payments. -
Pension plans
Plan your future and the future of your business with our pension plans, and ensure your well-being.
This is the Negocios Account for self-employed workers with no fees or conditions
Today and tomorrow, with no fees or conditions
Online Negocios Bienvenida Account for self-employed workers with no account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).
Negocios Debit Card
The bank account for self-employed professionals includes a debit card with no issuance or maintenance fee for each holder. And now get up to 2% bonus on fuel.*
€0 for transfers
From bbva.es, the BBVA app, or ATMs within the European Economic Area.
€0 for issuance and cashing of checks
Without fees for issuing and collecting of national checks in euros.
Open it 100% online and start being more autonomous
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Provide the information requested
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Confirm your identity through a video call
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Sign with the password we will send you
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If everything is correct, your account will be ready to use
Do you want to view the account documentation?
It is available in the FAQ section.
Global Finance Award for Best Digital Bank
Best Digital Bank in Spain for Companies 2025
Some questions that may come up
It is important for you to know and understand the documents required to open this account. You can view them here:
IP Autónomos Bienvenida Account
You can view a list of the most typical services for a payment account: more information.
Autónomos Bienvenida Account
Become a BBVA customer