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
Go to main content
Home of BBVA for Businesses
  • People
  • Self-employed professionals and businesses
  • Become a customer
  • Access Access Access
  • Menu Close
Click enter
Suggestions
    Products
    Home
    • Accounts
    • Cash Management
    • Financing
    • POS terminal
    • Collected
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    Branches and ATMs
    BBVA Newsroom
    • Español
    • Català
    • English
    • Galego
    • Euskara
    Individuals Self-employed people and companies
    • Home
    • Accounts
    • Cash Management
    • Financing
    • POS terminal
    • Collected
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    Click enter
    Suggestions

      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.

      Accounts for self-employed workers and companies

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

      No fees for the first 12 months for new registrations of self-employed workers or companies with a turnover of more than 5 million euros.

      More information
      Branches and ATMs BBVA Newsroom
      Access Access Access
      • Español
      • Català
      • English
      • Galego
      • Euskara
      Become a customer
      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 Negocios Account

      Sign up online with our account for self-employed workers

      €0 account administration and maintenance fee for the first 12 months.

      Become a customer
      Sign up 100% online in just 10 minutes!

      The professional account with no fees

      • €0 administration and maintenance fee

        No account administration and maintenance fee for the first 12 months.
      • €0 credit or debit card

        No annual credit or debit card issuance and maintenance fee.
      • €0 for transfers

        No fee for ordinary transfers within Europe.

      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.
      Open account

      The 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.

      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.

      The fee-free account for the self-employed

      • €0 account administration and maintenance fee for the first 12 months.
      • €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.

      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.

        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

      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.

      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?

      This product can only be opened online by self-employed workers.

      The BBVA Negocios Account (see terms and conditions) is available to BBVA customers or new registrations made from a BBVA branch.

      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 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.

      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.

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

      PI Bienvenida Negocios Account: pre-contractual information document detailing the terms and conditions between BBVA and the account holder.

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

      You might also be interested in

      • POS terminal for your business

        Fixed, wireless, virtual or on your phone. Track your sales from the app. Fixed or sales-based monthly payment.
        More information Choose POS terminal
      • Negocios Credit Card

        • Up to 2% on Repsol Group gasoline.
        • Roadside assistance. 
        • Accident insurance.
        • Pay the following month or in installments. 
        More information Apply
      • Online Credit Account

        • Up to €50,000 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 working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Offer for self-employed workers. Financing subject to prior approval by BBVA. Valid until 04/30/2022. 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 1.5 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
      1. Accounts
      2. Bienvenida Negocios Account
      Footer
      • More BBVA

        • Experts in companies
        • Responsible business
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • Corporate site
        • BBVA Pivot
      • The latest

        • BBVA Company aggregator
        • Financial aggregator for self-employed workers
          BBVA My Business
        • ICO COVID-19 Facilities
        • Online Negocios Loan
        • Negocios Account
        • Online Credit Account
        • Negocios Credit Card
        • Insurance for companies
      • Calculators and simulators

        • Loan Simulator
        • Car loan calculator
        • Mortgage calculator
        • IBAN calculator
          Salary calculator
          Gasoline cost calculator
          BBVA Valora
          BBVA Invest
      • Utilities

        Branches and ATMs

        Online Business Banking

        Finances at a glance

        Economic dictionary

        Apps

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2022

      Creating Opportunities