Some transfers have a fee: those made on magnetic media, FMOs (Fund Movement Orders), instant transfers, in-branch transfers and same-day-value transfers.
ADVERTISING
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
The professional account with no fees.
If you are self-employed or a company, switching banks is easy.
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No fees for the account, standard transfers* or checks.
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€0 annual debit or credit card fee.
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12 months with no fees.
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Forget about fees
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Pay nothing the first year
- €0 account administration and maintenance fee.
- €0 annual credit or debit card issuance and maintenance fee.
- €0 fee for ordinary transfers within Europe.
- €0 fee to issue and cash national checks in euros.
Nor afterward, if you meet the conditionsYou 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.
Advantages of becoming a customer
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Bank quickly wherever you areWith 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 businessWhen 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
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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 CardPay whatever you need with the balance in your account. You can also deposit and withdraw cash with no fees at any of the 6,000 BBVA ATMs in Spain.Negocios Credit CardPay 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
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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.
Would you like more information?
If you do not meet these conditions on a given month, you will be charged a €12 maintenance fee on the 15th of the month.You have to deposit at least 2 separate paychecks for more than €600 each in the three months before the settlement. It doesn't need to be one paycheck every month. You can also submit these payments via file.You would be charged a fee of 4.5% of the overdrawn balance (minimum €15) and an overdraft interest rate of 29%.
If the overdraft exceeds €18, you will be charged €30 for overdraft handling fees, which will be applied once for each overdraft claimed.
- Complying with the linking requirements: €0/month account maintenance fee.
- If the account does not meet the linking requirements one month, €12 will be charged to the account as a maintenance fee.
For the first 3 full calendar months after opening the Negocios Account, 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 stipulated in the General Conditions of the Contract. APR of -2.37% if requirements not met (calculated based on maintaining an average balance of €6,000).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, BBVA Net Cash 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 might also be interested in
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POS terminal for your business
Fixed, wireless, virtual or on your phone. Track your sales from the app. Fixed or sales-based monthly payment. -
![]()
Negocios Credit Card
- 2% in Repsol Group gasoline.
- Roadside assistance.
- Accident insurance.
- Pay the following month or in installments.
-
![]()
Online Credit Account
- Up to €25,000 a year for your day-to-day operations.
- Finance whatever you need, with no supporting documents.
- Apply instantly 100% online.
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.
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 account administration and maintenance fee.
- €0 annual credit or debit card issuance and maintenance fee
- €0 fee for ordinary transfers within Europe.
- €0 fee to issue and cash national checks in euros.
Nor afterward, if you meet the conditionsYou 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.
Advantages of becoming a customer
-
Bank quickly wherever you areWith Net Cash, 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 businessWhen 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 CardPay whatever you need with the balance in your account. You can also deposit and withdraw cash with no fees at any of the 6,000 BBVA ATMs in Spain.Negocios Credit CardPay 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.
Would you like more information?
Some transfers have a fee: those made on magnetic media, FMOs (Fund Movement Orders), instant transfers, in-branch transfers and same-day-value transfers.If you do not meet these conditions on a given month, you will be charged a €12 maintenance fee on the 15th of the month.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 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.
- 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).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, BBVA Net Cash 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 might also be interested in
See more accounts-
![]()
POS terminal for your business
Fixed, wireless, virtual or on your phone. Track your sales from the app. Fixed or sales-based monthly payment. -
![]()
Negocios Credit Card
- 2% in Repsol Group gasoline.
- Roadside assistance.
- Accident insurance.
- Pay the following month or in installments.
-
![]()
Online Credit Account
- Up to €25,000 a year for your day-to-day operations.
- Finance whatever you need, with no supporting documents.
- Apply instantly 100% online.
Discover BBVA One View
Add and manage all your business bank accounts in one place.
Manage all your accounts, make better decisions, and save time for your business.
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
Offer valid during current month
