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
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    Experiences

    • Aggregation service

      Aggregation service

      If you're self-employed, you can now add your other banks to the BBVA app.

    • BBVA My Business

      BBVA My Business

      Manage your everyday business operations with ease on your cell phone.

    • BBVA Company aggregator

      BBVA Company aggregator

      All your business bank accounts in the same place with the aggregation service.

    Bienvenida Account for self-employed workers and companies

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

    Zero fees for the first 12 months, extendable indefinitely depending on your company's turnover.

    More information
    Branches and ATMs BBVA Newsroom
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    Become a customer
    Click enter
    Suggestions
      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.

      BBVA Negocios Account

      An account for managing your professional activity

      For BBVA customers who are self-employed or have an SME. 
      • No fees for the account, standard transfers or checks.
      • €0 annual debit or credit card fee.
      • No conditions for the first 3 months.
      Open account

      Select if your Negocios Account would be for:

      • 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.

          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.
        Access over 4,500 BBVA ATMs throughout Spain.

        Your finances on your smartphone

        • Fast banking
          With the BBVA app, you can make transfers quickly, process collections, do your banking, automate payments, and much more.
          With complete security
          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.

        How can you open a Negocios Account?

        • 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?

        • 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).

           

        Are you interested?

        You can open the account 100% online.

        Open 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.

        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

        • 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

        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.
        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.
      • 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.

          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 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.
        Access over 4,500 BBVA ATMs throughout Spain.

        Your finances, online

        • Fast banking
          With 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 security
          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.

        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.

        Begin application

        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

        • 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

        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.
        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.
      *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
      1. Accounts
      2. BBVA Negocios Account
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      Banco Bilbao Vizcaya Argentaria S.A. 2023

      Creating Opportunities