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

If you are self-employed or an SME, this is your account.

Negocios credit or debit card with no fees.
No fees on standard transfers.*
Without fees for issue and collection of national checks in euros.

Default Default

Select if your Negocios Account would be for:

I am a self-employed worker

My company invoices under 5 million

Self-employed Self-employed
What does it offer?

With the Negocios Account, you will be able to use the following services without fees:

A BBVA Negocios Card (credit or debit) without issue or maintenance fee for one credit or debit card. You can request one for each account holder and it must be approved by BBVA.

Checks in euros without fees for issue or for clearance and trading in Spanish banks.

Standard transfers, file transfers, and standard payroll issuance, in Euros, Swedish Krona, or Romanian Leu (ron) within the European Economic Area have no fees if they are ordered from bbva.es, the BBVA app, BBVA Net cash, and ATMs.*

Save on fees

The maintenance fee of the BBVA Negocios Account is €10/month, except for the first 3 calendar months after opening of the account, when the fee will be €0. However, if you meet at least two of the following requirements, this fee will not be applied.

Social Security: you must have made three payments during the three calendar months prior to each settlement.

Taxes: you must have made a payment of VAT, Business Tax, IRPF (Personal Income Tax) or Corporation Tax in the three previous calendar months.

Employee payroll: you must have made at least two single salary payments of over €600 during the three calendar months before each settlement.

BBVA Negocios Account holders who perform agricultural business activity (included in CNO 0029 or 0061) will be exempt from the monthly Maintenance Fee payment and must only comply with the Social Security Payment requirement through the account.
Instant transfers with reduced cost

Open a BBVA Negocios Account and make instant transfers at a cost of €1.25 for the self-employed and €1.50 for SMEs.
Do you need a card?

You Negocios Account comes with the Negocios debit or credit card, whichever you prefer. Here are the cash withdrawal fees for both cases:

Debit

At BBVA ATMs in Spain: €0.

At ATMs of other banks: BBVA will pass on the fee charged by the ATM bank to BBVA. You will be informed of this amount by the bank that owns the ATM before you withdraw the cash.

ATMs outside Spain: 4% (minimum €2.40).

Credit

At BBVA ATMs in Spain: 2% (minimum €1.80).

At ATMs of other banks: BBVA will pass on the fee charged by the ATM bank to BBVA. You will be informed of this amount by the bank that owns the ATM before you withdraw the cash. BBVA will also charge a fee for funds withdrawn on credit from BBVA Group ATMs in Spain.

ATMs outside Spain: 4% (minimum €2.40).
Access over 6,000 BBVA ATMs throughout Spain.
How do I open one?

Open your BBVA Negocios Account and request your debit card in a matter of minutes on the BBVA website or BBVA app.

Please fill in the details.

Sign by entering the password we will send you.

If everything is correct, your account will be ready to use.

One Negocios Debit Card can be requested per account holder. Use your Negocios Credit Card at over 3,000 BBVA branches for all your business needs. The granting of this credit card is subject to approval by BBVA.
Open a BBVA Negocios Account

Open account
Would you like more information?

We do a monthly review of the three previous months, in which we can detect if any condition is not met. Fees are settled on the 15th of each month or the next business day.

For the first 3 calendar months after opening the BBVA Negocios Account, there is a monthly account fee of €0. After these three months, if the monthly review detects that the requirements have not been met, an account maintenance fee of €10 will be charged.

The BBVA Negocios Account includes the following fees:

Account maintenance Service: €0 if you meet the conditions. Otherwise, €10 per month. BBVA Negocios Account holders who perform agricultural business activity (included in CNO 0029 or 0061) will be exempt from the monthly Maintenance Fee payment and must only comply with the Social Security Payment requirement through the account.

Account administration service: €0 per process.

Credit interest rate (annual salary): 0% calculated APR if the BBVA Negocios Account fulfills the payment requirements detailed in the general contract terms and conditions. -1.98% APR if it does not meet the requirements (based on maintaining an average monthly balance of €6000).

Arranged overdraft interest rate: 29%.

Discretionary overdraft fee: 4.50% of the highest debtor salary (minimum €15).

Fee for regulatory overdraft:

For an overdraft equal to or less than €18: €3.

For an overdraft of more than €18: €30.

Issue and maintenance fee of the BBVA Negocios card: €30 for debit and €48 for credit. If the card is associated to the BBVA Negocios Account, this fee is €0.

Transfers from bbva.es, BBVA app, Net Cash and ATMs: €0*.

Instant transfers: €1.25.

Clearing and trading fee for deposit of checks in euros in Spanish banks: €0.

Checks issued in euros: €0.

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 arranged overdraft handling fees, which will be applied once for each overdraft claimed.
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We are leaders in digital innovation working to make your life that bit easier.

We believe in doing things a transparent, clear and responsible way.
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SMEs SMEs
What does it offer?

With the BBVA Negocios Account, you can use the following fee-free services:

A BBVA Negocios Card (credit or debit) without issue or maintenance fee for one credit or debit card. You can request one for each account holder and it must be approved by BBVA.

Checks in euros without fees for issue or for clearance and trading in Spanish banks.

Standard transfers, file transfers, and standard payroll issuance, in Euros, Swedish Krona, or Romanian Leu (ron) within the European Economic Area have no fees if they are ordered from bbva.es, the BBVA app, BBVA Net cash, and ATMs.

Save on fees

The BBVA Negocios Account has a monthly maintenance fee of €10, except for the first 3 calendar months after the account is opened, during which time no fee is charged (€0). However, you are exempt from paying this fee if you fulfill at least two of the following requirements.

Social Security: you must have made three payments during the three calendar months prior to each settlement.

Taxes: you must have made a payment of VAT, Business Tax, IRPF (Personal Income Tax) or Corporation Tax in the three previous calendar months.

Employee payroll: you must have made at least two single salary payments of over €600 during the three calendar months before each settlement.
Instant transfers with reduced cost

Open a BBVA Negocios Account and make instant transfers at a cost of €1.25 for the self-employed and €1.50 for SMEs.
Do you need a card?

You BBVA Negocios Account comes with a Negocios credit or debit card, whichever you prefer. Here are the cash withdrawal fees for both cases:

Debit

At BBVA ATMs in Spain: €0.

At ATMs of other banks: BBVA will pass on the fee charged by the ATM bank to BBVA. You will be informed of this amount by the bank that owns the ATM before you withdraw the cash.

ATMs outside Spain: 4% (minimum €2.40).

Credit

At BBVA ATMs in Spain: 2% (minimum €1.80).

At ATMs of other banks: BBVA will pass on the fee charged by the ATM bank to BBVA. You will be informed of this amount by the bank that owns the ATM before you withdraw the cash. BBVA will also charge a fee for funds withdrawn on credit from BBVA Group ATMs in Spain.

ATMs outside Spain: 4% (minimum €2.40).
Access over 6,000 BBVA ATMs throughout Spain.
How do I open one?

You can open a BBVA Negocios Account at any of the more than 3,000 BBVA branches nationwide. You are sure to find one near to where you are now.

See offices map.

The opening of a Negocios Account is subject to approval by BBVA.
Open a BBVA Negocios Account

Open account
Would you like more information?

We do a monthly review of the three previous months, in which we can detect if any condition is not met. Fees are settled on the 15th of each month or the next business day.

There is no account fee (€0) for the first 3 calendar months after opening the BBVA Negocios Account. After these three months, if the monthly review detects that the requirements have not been met, an account maintenance fee of €10 will be charged.

The Negocios Account carries the following fees:

Account maintenance Service: €0 if you meet the conditions. Otherwise, €10 per month.

Account administration service: €0 per process.

Credit interest rate (annual salary): 0.0% APR, calculated if the Negocios Account meets the payment requirements stipulated in the General Conditions of the Contract. -1.98% APR if it does not meet the requirements (based on maintaining an average monthly balance of €6000).

Arranged overdraft interest rate: 29%.

Discretionary overdraft fee: 4.50% of the highest debtor salary (minimum €15).

Fee for regulatory overdraft:

For an overdraft equal to or less than €18: €3.

For an overdraft of more than €18: €30.

Issue and maintenance fee of the BBVA Negocios card: €30 for debit cards, €48 for credit cards. If the card is associated to the BBVA Negocios Account, this fee is €0.

Transfers from bbva.es, BBVA app, Net Cash and ATMs: €0*.

Instant transfers: €1.50.

Clearing and trading fee for deposit of checks in euros in Spanish banks: €0.

Checks issued in euros: €0.

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 arranged overdraft handling fees, which will be applied once for each overdraft claimed.
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Be a BBVA customer.

At BBVA, we want to help you with the daily management of your business.

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We believe in doing things a transparent, clear and responsible way.

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Whether you already have a consolidated business or you have just started out as a freelancer, the BBVA Negocios Account will facilitate your everyday business operations, giving you time to focus on the important things.

*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, BBVA Net Cash 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

Aggregation service

BBVA My Business

BBVA One View

BBVA Net Cash app

BBVA Negocios Account

The account for your professional activity.

Select if your Negocios Account would be for:

What does it offer?

Save on fees

Instant transfers with reduced cost

Do you need a card?

How do I open one?

Would you like more information?

You might also be interested in

Negocios Credit Card

BBVA POS comparison tool

Business Credit Account

Be a BBVA customer.

Your other banks

What does it offer?

Save on fees

Instant transfers with reduced cost

Do you need a card?

How do I open one?

Would you like more information?

You might also be interested in

Negocios Credit Card

Click&Pay credit limit

Business Credit Account

Be a BBVA customer.

Discover BBVA One View

*Transfers

Footer

Other sections

Online services

This may be of interest to you

Need help?

BBVA Negocios Account

The account for your professional activity.

Select if your Negocios Account would be for:

What does it offer?

Save on fees

Instant transfers with reduced cost

Do you need a card?

How do I open one?

Would you like more information?

How does BBVA check if I fulfill the conditions?

How much will I have to pay if I don't meet the direct debit conditions?

Are there any fees?

Is there a check book?

What happens if my account is overdrawn?

What happens to my card if I cancel the Negocios Account?

You might also be interested in

Negocios Credit Card

BBVA POS comparison tool

Business Credit Account

Be a BBVA customer.

Your other banks

What does it offer?

Save on fees

Instant transfers with reduced cost

Do you need a card?

How do I open one?

Would you like more information?

How does BBVA check if I fulfill the conditions?

How much will I have to pay if I don't meet the direct debit conditions?

Are there any fees?

Is there a check book?

What happens if my account is overdrawn?

What happens to the card if I cancel my BBVA Negocios Account?

You might also be interested in

Negocios Credit Card

Click&Pay credit limit

Business Credit Account

Be a BBVA customer.

Discover BBVA One View

*Transfers

Footer

Other sections

Online services

This may be of interest to you

Need help?