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 fee-free account that connects your business with tomorrow today

Whether you already have your own business or are thinking of starting one:
  • €0 Negocios Debit or Credit Account and Card.
  • €0 for transfers, checks and payrolls.

What's more, until 30/04/2026, we're giving you two ChatGPT Business licences for 12 months. How does it work? 

For new business customers that bill less than 5 million euros per year. The AI service will be provided by OpenAI.

To be able to take advantage of the two ChatGPT Business licences that we are giving you for 12 months

Open your Empresas Bienvenida Account and purchase two of these products. You have up to 90 days to take them out from when you request the promotion. 

  • POS terminal

    Apply for and complete at least one transaction with any POS terminal.

  • Negocios Credit Card

    Apply for and complete at least one transaction with a Negocios Credit Card.

  • Negocios Insurance

    Take out any Negocios Insurance.

  • Financing

    Take out a loan or line of credit of more than €10,000.

Learn how to boost your everyday business with AI

Access our space with benefits, tutorials, and use cases for ChatGPT Business and discover how AI can help you in different areas of your business.

So your business can continue to move forward

What does zero fees mean?

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.

Transfers and Payrolls

No fees for online or ATM transfers in euros, Swedish kronor or Romanian leu (RON) 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.

Checks

No fees for issuing checks or for settling and trading domestic check deposits in euros.

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
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