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.

Bienvenida Empresas Account

The account that links your current and future business needs

To get started with no fees
  • €0 Negocios Debit or Credit Account and Card.
  • €0 for transfers, checks and paychecks.

With a specialized adviser to guide you from day one.

Plus, get back up to €720 gross in 6 months for direct debiting your taxes and/or social security.

For new business customers that bill less than 5 million euros per year.

UntilThrough 12/31/2025

To get up to €720 gross in 6 months

  • Open your Bienvenida Empresas Account.
  • And direct debit your taxes and/or social security.

We will refund you the amount you pay, up to a maximum of €120 gross per month, which you can use for a new project, everyday expenses... or whatever your business needs.

Create your business without worrying about paperwork

Ensure that starting a business doesn't dampen your entrepreneurial spirit. Become a BBVA customer and, together with Ayuda T Pymes, we will advise you at no cost to set up your company. You will also have an account with no fees or conditions so you can grow your business from day one. 

Valid for new companies under incorporation. An account with no maintenance or administration fees. 0% NIR, 0% APR.

To guide you from day one.

You will have a specialized adviser

Whom you can trust to answer any questions, manage your daily business, or advise you on new opportunities for your company.

Connect with your business wherever you are

You can do all your banking quickly and easily whenever you need to through online banking and the BBVA Empresas app.

So your business can continue to move forward

Today and tomorrow, with no fees or conditions

For online or ATM transfers in euros, Swedish kronor or Romanian LEU (rum) in the European Economic Area, Iceland, Liechtenstein or Norway. And for payroll issuance. Transfers made on magnetic media, FMOs (Fund Movement Orders), and same-day-value transfers not included.

€0 Account

No administration or maintenance fees. 0% NIR 0% APR, calculated assuming a positive daily balance for one year.

Cards

Negocios credit or debit card with no fees, ready for any expenses you have.

Checks

For issuing checks or for settling and trading domestic check deposits in euros.

To open your Bienvenida Empresas Account, you just need

ID documents

Of the representative living in Spain (DNI ID card) and of the company (deeds, powers of attorney, etc.).

Digital Certificate

Have the Sole or Joint Administrator Certificate, or a certificate of representation of a legal entity, issued by the FNMT or by Izenpe, installed on this browser.

AutoFirma Software

Your computer must have the AutoFirma software installed and updated (version 1.7 or higher).

Private customer access password

If you already have an account as a private customer, you can use your login credentials and forgo the digital certificate.

ID documents

Of the representative living in Spain (DNI ID card) and of the company (deeds, powers of attorney, etc.).

Some questions that may come up

The Empresas Bienvenida Account is an account with no account administration or maintenance fees. The settlement interval is monthly: from the 15th to the 15th.

  • 0% NIR, 0% APR, calculated assuming a positive daily balance for one year.
  • No administration fees.
  • €2 fee for the cash withdrawal service at the cash desk: for withdrawals of or below €2,000.

 

Financing subject to prior analysis and approval by BBVA. This document does not constitute a binding offer or recommendation by BBVA for the contracting of the products and services described in it, nor does it replace or modify the pre-contractual and contractual documentation. BBVA may require additional securities as a requirement prior to these products being taken out.
Bienvenida Empresas Account
Become a BBVA customer