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      • Aggregation service

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

      • BBVA My Business

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

      • 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.
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      Credit Agrocuenta

      Finance the everyday activities of your agricultural, livestock or forestry business

      A credit line designed for self-employed workers or SMEs like yours.

       

      • From €5,000 to a maximum of €50,000*.
      • Term from 1 to 3 years, annually renewable.
      • You can use it as your regular checking account to make and receive transfers, make card payments or charge payments using a POS terminal.
      Apply

      Features


      • This credit line is mainly aimed at the following: financing working capital, inventory and other movements related to your activity.

        • The term for settling your credit line is one year, annually renewable up to a maximum of three years.
        • You do not need to justify the use with invoices or similar in order to obtain the credit.
        • Credit limit: From €5,000 to a maximum of €50,000.
        • Settlements are made quarterly.

      This example will make it clear


      • Example of a credit line in a checking account up to a maximum limit of €40,000 with no start-up, study or drawdown fees.

        • Interest rate: 5.462%
        • APR: 5.588%
        • Term: 1 year with tacit renewal for 2 more years.
        • Interest payable: 3-month Euribor + 1.5%.
        • Average balance drawn: 50%.

      Main costs


        • Variable rate interest: we will charge it over the amount you have drawn, and we will review it every quarter.
        • Administration fee: a percentage is applied to every transaction in your account.

      What requirements do you have to meet?


      • To obtain Credit Agrocuenta, you have to meet the following conditions:

        • Engage in agricultural, livestock or forestry activity.
        • The farm must be managed by the customer and their family, with the possibility of hiring permanent employees.
        • The granting of a credit account is subject to BBVA's prior authorization.

        Your adviser will tell you what documents you need to submit in order for the loan to be considered.

      Apply for Credit Agrocuenta

      Apply

      Would you like more information?

      You sign up for the credit account at BBVA, and you sign the contract at the notary's office. You are granted the credit limit you need.

      After 10 months of signing up, we will study your renewal. After 12 months, you must not have debt outstanding in the credit account. If so, we will renew your credit account.

      In the event of tacit renewal, this may be carried out automatically up to a maximum of three years from the initial date of signature. 

      • Combine the advantages of a credit account and a credit limit.
      • Admits all collection and payment movements, settling debit balances at the rate agreed with you.

      There is no end date for Credit Agrocuenta, so you can request it whenever you want.

      Are you looking for another kind of financing for your business?

      If this is not the product you were looking for, don't worry. We'll help you choose the one that best suits your needs with our financing adviser.
      Go to the adviser

      You might also be interested in

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      Be a BBVA customer.

      • At BBVA, we want to help you grow your business by offering the financing you need.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Add your banks to the BBVA app

      • I have a company

      • I am a self-employed worker

      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

      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.
      More information
      *Offer valid for new applications from 09/01/2023 to 12/31/2023. The contracting of this product is subject to prior approval by BBVA. This document does not constitute an offer or recommendation by BBVA for the contracting of the products included in it, nor does it replace or modify the pre-contractual and contractual documentation corresponding to these products.
      Credit Agrocuenta
      Apply
      Offer valid during current month
      1. Financing
      2. agrocuenta
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