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.
RISK LEVEL
1/6
Bienvenida Negocios Account
Sign up online with our account for self-employed workers
€0 account administration and maintenance fee for the first 12 months.
Sign up 100% online in just 10 minutes!
The professional account with no fees
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€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.
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
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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.
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 4,500 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.
How does it work and how much does it cost?
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- 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.
Would you like more information?
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POS terminal for your business
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Negocios Credit Card
- Up to 2% on Repsol Group gasoline.
- Roadside assistance.
- Accident insurance.
- Pay the following month or in installments.
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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.
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 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