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    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

    Become a customer online with our fee-free business account

    • €0 account administration and maintenance fee.
    • For companies with a turnover below 5 million euros a year.
    Sign up 100% online in just 10 minutes!

    Fee-free Empresas Bienvenida Account

    • €0 per account

      No account administration or maintenance fee.

    • €0 cards

      No Negocios debit or credit card issuance or maintenance fee.

    • €0 for transfers, checks and paychecks

      No fees for transfers in the European Economic Area or for payrolls, or for issuing or cashing national checks through the online business account.

    An account with no fees for SMEs

    • No account administration or maintenance fee. 0% NIR 0% APR, assuming a positive daily balance for one year.
    • No debit or credit card issuance or maintenance fee.
    • No fee for ordinary transfers and paychecks issued in euros, Swedish krona or Romanian leu within the European Economic Area ordered from bbva.es, the BBVA app, online business banking or BBVA ATMs.
    • No fees for issuing checks or for settling and trading domestic check deposits in euros.
    Become a customer

    Bank quickly and with complete security from your online account

    With a BBVA online business account, you can make transfers, process collections, do all your banking, automate payments, sign orders and make an appointment with an adviser.

    You can also check your deposits, expenses, sales, remittances, cards and POS terminal at a glance. You also get instant notifications of every transaction in your account.

    Are you interested?

    You can open the account 100% online.

    Become a customer

    Advantages of becoming a customer

    • Bank quickly wherever you are
      With a BBVA online business account, you can manage your other accounts, track all your transactions at a glance, automate payments, use specialized business tools for SMEs, sign orders and 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.

    How does it work and how much does it cost?

    • The Empresas Bienvenida Account is an account with no account maintenance fees. The settlement interval is monthly: from the 15th to the 15th.

       

      • 0% NIR 0% APR, assuming a positive daily balance for one year.
      • No administration fees. 
      • Fee for withdrawing cash at the window: €2 for withdrawals of or below €2000.

       

      Tacit overdraft
      • Annual interest rate for authorized overdraft. 29% NIR.</span>.
      • Fee for authorized overdraft in the account: 4.50%. Minimum amount €15.
      • Account overdraft fee: €0 if below €18, €30 if over €18.

      Calculated based on the maximum balance owed during the account settlement period.

    Get the card with no annual fee

    • The account includes one Business 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.

    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.

    Would you like more information?

    The business account is intended for companies with a turnover under €5 million per year. If their turnover is higher, companies have the Empresas Premium Bienvenida Account.

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    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

    Offer for businesses with a maximum revenue of €5 billion. Financing subject to prior approval by BBVA. Valid until 12/31/2022. 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 Empresas Account
    Become a customer