Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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    Experiences

    Aggregation service

    If you're self-employed, you can now add your other banks to the BBVA app.

    BBVA My Business

    Manage your everyday business operations with ease on your cell phone.

    BBVA Company aggregator

    All your business bank accounts in the same place with the aggregation service.

    Bienvenida Account for self-employed workers and companies

    New bank, zero fees on the usual services. Whether you are self-employed, an SME or a company, a new bank has many advantages.

    Zero fees for the first 12 months, extendable indefinitely depending on your company's turnover.

    More information
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      ADVERTISING
      MM/DD/YYYY
      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

      We start fee-free, so it doesn't cost you anything

      • €0 account administration and maintenance fee.
      • €0 on the Negocios Debit or Credit Card.
      • €0 for transfers, checks and paychecks.
      Start
      The account for new business customers that bill less than 5 million euros per year.

      With the Empresas Bienvenida Account we want you to have it easy from day one.

      • Accounts

        No account administration or maintenance fees.

        0% NIR 0% APR, assuming a positive daily balance for one year.

      • Cards

        No administration and maintenance fee for the Negocios Credit or Debit Card.
      • Transfers

        No fee on ordinary transfers and paychecks through online business banking within Europe.
      • Checks

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

      To streamline and optimize your projects, you have a variety of options to choose from:

      • For your day-to-day receivables

        Android POS + POS Pass at no cost for the first 12 months.

        Charge your customers and run your business wherever you are.
        See terms and conditions
        Find out more
      • To enhance the power of your ideas

        Financing at Euribor +0% the first year.

        Up to €30,000 for managing your company's day-to-day operations and handling your international business activities.
        See terms and conditions
        Find out more

      Whatever your next step is, we'll be there to take it with you

      BBVA's team of advisers is available to advise you and lend a hand at any time if you have any questions.

      In addition, you can also use online banking and the BBVA Empresas app with total security to manage your business wherever you are: make transfers, collect receivables, automate payments or sign orders.

      Shall we begin?

      Open your fee-free Empresas Bienvenida Account 100% online.

      Start

      Would you like more information?

      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, 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.

       

      You would be charged a fee of 4.50% on the maximum overdrawn balance (minimum €15) and an annual overdraft interest rate of 29% NIR.

      The tacit overdraft is calculated on the maximum debit balance of the account settlement period.

      If the overdraft is less than €18 the handling fee is €0, if it is more than €18, you would be charged €30 in overdraft handling fees, which is applied only once for each overdraft claimed.

      No, as the Empresas Bienvenida Account includes one Business Card for each holder, with no annual issuance or maintenance fee, and all the advantages of the card, such as discounts on fuel and associated insurance products. You can choose between:

      • NEGOCIOS DEBIT CARD Pay what you need with the balance in your account. You can also deposit and withdraw cash with no fees at any of the 4,500 BBVA ATMs in Spain.
      • NEGOCIOS CREDIT CARD Pay what you need and pay back whenever you want. You can also deposit and withdraw cash, with no fees if on debit and with a 2% fee if on credit, at BBVA ATMs in Spain.

      The Empresas Bienvenida Account has no fees for ordinary transfers and paychecks paid in euros, Swedish krona or Romanian leu (RON) within the European Economic Area (members of the European Union in addition to Iceland, Liechtenstein, and Norway) ordered from bbva.es, the BBVA app, online business banking and BBVA ATMs.

      Not including transfers on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and instant transfers. For transfers that are not included, the accompanying expenses and transfer fees established for these purposes on the rate sheet will apply.

      It is important for you to know and understand the documents required to open this account. You can view them here:

      Pre-Contractual Information Empresas Bienvenida Account: preliminary information booklet on payment services.

      You can view the list of the most representative services for a payment account here.

      Offer valid for new business customers with a maximum turnover of €5 million. Financing subject to prior approval by BBVA. Valid until 12/31/2023. 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 corresponding to these products and services. Formalization subject to prior analysis and approval by BBVA. BBVA may require additional securities as a requirement prior to these products being taken out.

      To become an online customer you will need: AutoFirma Software; the computer must have the AutoFirma software installed and updated (version 1.7 or higher), Digital Certificate; have the Sole or Joint Administrator Certificate issued by the FNMT and identification documents of the representative residing in Spain (DNI or NIE) and of the company (deeds, powers, etc.) installed on the browser.

      Bienvenida Empresas Account
      Start
      Offer valid during current month
      1. Accounts
      2. Bienvenida Empresas Account
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