How does the Empresas Bienvenida Account work and how much does it cost?

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.

What happens if my account is overdrawn?

You would be charged a fee of 5.5% on the maximum overdrawn balance (minimum €20) and an annual overdraft interest rate of 29% NIR . The tacit overdraft is calculated on the maximum debit balance of the account settlement period.

Do I have to pay fees to have a Negocios Card?

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.

Which transfers have a fee?

Does not include payments made via magnetic media, FMOs (Fund Movement Orders), or same-day-value transfers . For transfers that are not included, the accompanying expenses and transfer fees established for these purposes on the rate sheet will apply. The Empresas Bienvenida Account has no fees for standard and instant transfers and payrolls 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 standard (single) transfers placed through BBVA ATMs.

Documentation of the Empresas Bienvenida Account

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 a list of the most typical services for a payment account: more information .

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 without fees, whether you already have your company or you are thinking about creating it:

€0 Negocios Debit or Credit Account and Card.
€0 for transfers, checks and payrolls.

Plus, get back up to €720 over 6 months for paying your taxes and/or social security by direct debit.

Become a BBVA customer

Guide to creating your company

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

Through 04/30/2026

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.

Become a BBVA customer

Learn about the promotion

So your business can continue to move forward

Through 01/31/2026

Accept payments from customers with a POS terminal that lets you manage your business from anywhere.

Contact an adviser

See terms and conditions
Through 04/30/2026

Get the boost your company needs with financing tailored to your needs in both the short and long term.

Contact an adviser

See terms and conditions
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.
How does the promotion work?

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

Become a BBVA customer

Bienvenida Account for self-employed workers and companies

Bienvenida Empresas Account

The account that links your current and future business needs

To get up to €720 gross in 6 months

So your business can continue to move forward

Through 01/31/2026

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

Through 04/30/2026

Financing up to Euribor + 1%

Send SEPA direct debits free for the first 12 months

What does zero fees mean?

Account

Cards

Transfers and Payrolls

Checks

Some questions that may come up