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.
BBVA Negocios Account
An account for managing your professional activity
For BBVA customers who are self-employed or have an SME.
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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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No conditions for the first 3 months.
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Forget about fees
-
The first 3 months you pay nothing
- €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.
Access over 4,500 BBVA ATMs throughout Spain.
Your finances on your smartphone
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Fast bankingWith the BBVA app, you can make transfers quickly, process collections, do your banking, automate payments, and much more.With complete securityYou 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.
How can you open a Negocios Account?
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You can open your account in just a few minutes from bbva.es or the BBVA app.
- Provide the information requested.
- Sign by entering the password we will send you.
- If everything is correct, your account will be ready to use.
Once you have your account, you can apply for your Negocios Debit Card or Negocios Credit Card online.
What happens if my account is overdrawn?
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You will be charged a fee of 4.50%, during a settlement period, on the maximum balance overdrawn (minimum €15) and an arranged 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.
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).
Would you like more information?
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.Yes, you just need to use the "Convert your account" option when you open it online. The BBVA account you choose will become a Negocios Account, with all its advantages.
You can also keep your account number, and all the periodic transfers and direct debited bills will be automatically transferred to the new Negocios Account.
It is important for you to know and understand the documents required to open this account. You can view them here:
PI 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 may 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. -
![]()
Discount
Negocios Credit Card
- Up to 2% on Repsol Group gasoline.
- Roadside assistance.
- Accident insurance.
- Pay the following month or in installments.
-
![]()
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.
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.
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.
-
-
Forget about fees
-
The first 3 months you pay nothing
- €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
-
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 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.
Access over 4,500 BBVA ATMs throughout Spain.
Your finances, online
-
Fast bankingWith online business banking, you can make transfers, process collections, do all your banking, automate payments, sign orders and make an appointment with an adviser.With complete securityYou 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.
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 €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?
Send an application to the nearest branch to open your account.
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.To open a Negocios Account with your company's tax ID, its turnover cannot exceed 5 million euros a year.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.It is important for you to know and understand the documents required to open this account. You can view them here:
PI 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
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. -
![]()
Discount
Negocios Credit Card
- Up to 2% on Repsol Group gasoline.
- Roadside assistance.
- Accident insurance.
- Pay the following month or in installments.
-
![]()
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.
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.
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.
-
*Transfers
No fee 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. Any transfer methods that are not included will be subject to the additional transfer fees and amounts stipulated in the Annex of Fees.
BBVA Negocios Account
Open account
Offer valid during current month