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 Negocios Account

If you are self-employed or a company, switching banks is easy.

No fees for the account, standard transfers* or checks.
€0 annual debit or credit card fee.
12 months with no fees.

Select if your Bienvenida Negocios Account would be for:

I am a self-employed worker

My company invoices under 5 million

Forget about fees

Pay nothing the first year

0€ de comisión por administración y mantenimiento de la cuenta.

0€ de comisión anual por emisión y mantenimiento de tarjeta crédito o débito.

0€ de comisión por transferencias ordinarias dentro del ámbito europeo.

0€ de comisión por emisión y cobro de cheques nacionales en euros.

See transfers in detail

Nor afterward, if you meet the conditions

You only have to direct deposit 2 of these professional payments: Social Security payments, taxes or payrolls.

If you don't meet the conditions on a given month, you will be charged a €12 account administration and maintenance fee.

See detailed conditions

Advantages of becoming a customer

Bank quickly wherever you are

With the BBVA app, you can do all your banking, automate payments and check your deposits, expenses, sales, remittances, cards and POS terminal at a glance. You also get instant notifications of every transaction.

Request financing for your business

When you become a customer, you can request different solutions: loans to invest in your business, credit accounts for your day-to-day expenses, advance payments or collections, equipment rental and more.
You can open your BBVA Negocios Bienvenida Account and use it with no conditions for one year.
Get the card with no annual fee

The account includes a card for your professional activity, with no annual issuance or maintenance fee, which features many advantages, such as a discount on fuel and associated insurance products. You can choose between:

Negocios Debit Card

Pay whatever 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 whatever you need and return the amount 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.

Open an account without going to a branch

You can open it online in under 10 minutes. You just need your DNI or TIE and a mobile phone. It's that simple:

Provide the information requested.

Identify yourself with a video call or an account number you have in another bank.

Sign by entering the password we will send you.

If everything is correct, your account will be ready to use.

What happens if my account is overdrawn?

Tendrías que pagar una comisión de 4.5% sobre el saldo que tengas en negativo (mínimo 15€) y un interés de descubierto tácito del 29%.

If the overdraft exceeds €18, you will be charged €30 for overdraft handling fees, which will be applied once for each overdraft claimed.

How does it work and how much does it cost?

Complying with the linking requirements: €0/month account maintenance fee.

If the account does not satisfy the linking requirements in a given month, a maintenance fee of €12 will be paid for said month.

During the first three full calendar months from when the Negocios Account is open, the account maintenance fee will be €0/month. After that time, if these requirements are not met in the monthly review, you will get all the services included by paying a single account maintenance fee of €12/month. The fees will be charged to the Negocios Account on the 15th of each month or on the next business day.

0% APR calculated if the Negocios Account meets the payment requirements in the contract's general conditions. -2.37% APR if requirements not satisfied (calculated based on maintaining an average balance of €6,000).
Are you interested?

You can open the account 100% online.

Become a customer

Would you like more information?

The Negocios 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 immediate transfers. For transfers that are not included, the accompanying expenses and transfer fees established for these purposes on the rate sheet will apply.

Debes hacer al menos 2 pagos de nómina, cada uno superior a 600€, durante los tres meses previos a la liquidación. It doesn't need to be one paycheck every month. You can also submit these payments via file.
You might also be interested in

Fixed, wireless, virtual or on your phone. Track your sales from the app. Fixed or sales-based monthly payment.

More information Choose POS terminal

2% in Repsol Group gasoline.

Roadside assistance.

Accident insurance.

Pay the following month or in installments.

More information Apply

Up to €25,000 a year for your day-to-day operations.

Finance whatever you need, with no supporting documents.

Apply instantly 100% online.

More information Apply

See more accounts
Your other banks

Add your other banks to the BBVA app.

View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.

More information
Be a BBVA customer.

At BBVA, we want to help you with the daily management of your business.

We are leaders in digital innovation working to make your life that bit easier.

We believe in doing things a transparent, clear and responsible way.
Forget about fees

Pay nothing the first year

0€ de comisión por administración y mantenimiento de la cuenta.

0€ de comisión anual por emisión y mantenimiento de tarjeta crédito o débito

0€ de comisión por transferencias ordinarias dentro del ámbito europeo.

0€ de comisión por emisión y cobro de cheques nacionales en euros.

See transfers in detail

Nor afterward, if you meet the conditions

You only have to direct deposit 2 of these professional payments: Social Security payments, taxes or payrolls.

If you don't meet the conditions on a given month, you will be charged a €12 account administration and maintenance fee.

See detailed conditions

Advantages of becoming a customer

Bank quickly wherever you are

With online business banking, you can manage your other accounts, track all your transactions at a glance, automate payments, use specialized business tools, sign orders or make an appointment with your adviser.

Request financing for your business

When you become a customer, you can request different solutions: loans to invest in your business, credit accounts for your day-to-day expenses, advance payments or collections, equipment rental and more.
You can open your BBVA Negocios Bienvenida Account and use it with no conditions for one year.
Get the card with no annual fee

The account includes a card for each holder, with no annual issuance or maintenance fee, and all the advantages of the card, such as a discount on fuel and associated insurance products. You can choose between:

Negocios Debit Card

Pay whatever 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 whatever you need and return the amount 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.

Open an account without going to a branch

You can open it online in under 10 minutes. You just need your DNI or TIE and a mobile phone. It's that simple:

Provide the information requested.

Identify yourself with a video call or an account number you have in another bank.

Sign by entering the password we will send you.

If everything is correct, your account will be ready to use.

What happens if my account is overdrawn?

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

If the overdraft exceeds €18, you will be charged a €30 overdraft processing fee, which will be applied once for each overdraft claimed.

How does it work and how much does it cost?

Complying with the linking requirements: €0/month account maintenance fee.

If the account does not satisfy the linking requirements in a given month, a maintenance fee of €12 will be paid for said month.

During the first three full calendar months from when the Negocios Account is open, the account maintenance fee will be €0/month. After that time, if these requirements are not met in the monthly review, you will get all the services included by paying a single account maintenance fee of €12/month. The fees will be charged to the Negocios Account on the 15th of each month or on the next business day.

0% APR calculated if the Negocios Account meets the payment requirements in the contract's general conditions. -2.37% APR if requirements not satisfied (calculated based on maintaining an average balance of €6,000).
Are you interested?

You can open the account 100% online.

Become a customer

Would you like more information?

The Negocios 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 immediate transfers. For transfers that are not included, the accompanying expenses and transfer fees established for these purposes on the rate sheet will apply.

You have to deposit at least 2 separate paychecks for more than €600 in the three calendar months before the monthly settlement. It doesn't need to be one paycheck every month. You can also submit these payments via file.
You might also be interested in

Fixed, wireless, virtual or on your phone. Track your sales from the app. Fixed or sales-based monthly payment.

More information Choose POS terminal

2% in Repsol Group gasoline.

Roadside assistance.

Accident insurance.

Pay the following month or in installments.

More information Apply

Up to €25,000 a year for your day-to-day operations.

Finance whatever you need, with no supporting documents.

Apply instantly 100% online.

More information Apply

See more accounts
Discover the BBVA Company Aggregator

Add and manage all your business bank accounts in one place.

Manage all your accounts, make better decisions, and save time for your business.

More information
Be a BBVA customer.

At BBVA, we want to help you with the daily management of your business.

We are leaders in digital innovation working to make your life that bit easier.

We believe in doing things a transparent, clear and responsible way.

Offer for businesses with a maximum revenue of €5 billion. Financing subject to prior approval by BBVA. Valid until 12/31/2021. 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 guarantees as a requirement prior to taking out these products.

To become an online customer you will need: AutoFirma Software; the computer must have the AutoFirma software installed and updated (version 1.5 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 Negocios Account

Become a customer

Grants to alleviate the economic impact of Covid-19

Bienvenida Negocios Account

The professional account with no fees.

Select if your Bienvenida Negocios Account would be for:

Forget about fees

Advantages of becoming a customer

Get the card with no annual fee

Open an account without going to a branch

What happens if my account is overdrawn?

How does it work and how much does it cost?

Would you like more information?

You might also be interested in

POS terminal for your business

Negocios Credit Card

Online Credit Account

Your other banks

Be a BBVA customer.

Forget about fees

Advantages of becoming a customer

Get the card with no annual fee

Open an account without going to a branch

What happens if my account is overdrawn?

How does it work and how much does it cost?

Would you like more information?

You might also be interested in

POS terminal for your business

Negocios Credit Card

Online Credit Account

Discover the BBVA Company Aggregator

Be a BBVA customer.

Bienvenida Negocios Account

The professional account with no fees.

Select if your Bienvenida Negocios Account would be for:

Forget about fees

Advantages of becoming a customer

Get the card with no annual fee

Open an account without going to a branch

What happens if my account is overdrawn?

How does it work and how much does it cost?

Would you like more information?

*Which transfers have a fee?

How much do I have to pay if I don't meet the conditions?

If I choose to direct deposit paychecks to meet the conditions, how would I do it?

You might also be interested in

POS terminal for your business

Negocios Credit Card

Online Credit Account

Your other banks

Be a BBVA customer.

Forget about fees

Advantages of becoming a customer

Get the card with no annual fee

Open an account without going to a branch

What happens if my account is overdrawn?

How does it work and how much does it cost?

Would you like more information?

*Which transfers have a fee?

How much do I have to pay if I don't meet the conditions?

If I choose to direct deposit paychecks to meet the conditions, how would I do it?

You might also be interested in

POS terminal for your business

Negocios Credit Card

Online Credit Account

Discover the BBVA Company Aggregator

Be a BBVA customer.