RISK LEVEL

1/6

This number indicates the product risk, with 1 / 6 representing the lowest risk and 6 / 6 representing the highest risk.

BBVA is affiliated with Spain's Deposit Guarantee Fund for Credit Institutions. The maximum amount guaranteed is €100,000 per person for the total of all deposits established at BBVA.

Welcome Business Account for self-employed professionals

The account to help you grow your self-employed business

Making it much easier and affordable to pursue your projects and grow as a professional

No conditions or fees for your account for self-employed workers or your debit card.
With a specialized adviser to guide you from day one.
You will save up to €720 when you pay your self-employed worker's payment by direct debit.

Become a BBVA customer

Open it 100% online in just a few minutes. Only for new customers.

To have more for less: Fee-Free Account for Self-Employed Workers

Your Self-employed Workers Account with no fees or conditions for managing your day-to-day operations.

With a fee-free Negocios Debit Card to manage your purchases and payments.

We will transfer your income deposited in other banks for free, so you don't waste any time.

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

Charge your customers and run your business wherever you are.

Become a BBVA customer

See terms and conditions
UntilThrough 12/31/2025

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.

Request information

See terms and conditions
When paying with your Tarjeta Negocios Debit Card at Repsol, Campsa, and Petronor gas stations.

Become a BBVA customer
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.
Become a BBVA customer

How does the promotion work?

*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.

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.

Become a BBVA customer

To move forward with tailored solutions

Second Account

As a self-employed worker, you can have an additional account with no fees to better organize your finances or savings.
Find out more
Insurance for self-employed workers

Giving you more peace of mind in the event of sick leave or non-payments.
Find out more
Pension plans

Plan your future and the future of your business with our pension plans, and ensure your well-being.
Find out more

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.

Become a BBVA customer

Open it 100% online and start being more autonomous

Provide the information requested
Confirm your identity through a video call
Sign with the password we will send you
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.

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

Welcome Business Account for self-employed professionals

The account to help you grow your self-employed business

To have more for less: Fee-Free Account for Self-Employed Workers

Your Self-employed Workers Account with no fees or conditions for managing your day-to-day operations.

With a fee-free Negocios Debit Card to manage your purchases and payments.

We will transfer your income deposited in other banks for free, so you don't waste any time.

And your adviser at your side from day one

To start with more autonomy and fewer complications

POS Terminal + POS Terminal Pass at no cost for the first 12 months

UntilThrough 12/31/2025

Financing at Euribor + 1%

Up to 2% saving on fuel

Send SEPA direct debits free for the first 12 months