You must be self-employed or an SME.
Click&Pay credit limit
Cover your payment needs easily.
Liquidity for paying salaries, taxes, and suppliers.
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You only pay for what you use.
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No early cancellation penalty.
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Self-employed Self-employed How does it work?
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To obtain the Click&Pay credit limit, you just have to complete the following steps:
- Take out a credit facility.
- Set an annual limit, which does not affect the price (you only pay for what you use).
- Use the money from the credit facility as you need it.
Remember, if you set an annual limit of €25,000 and you only use €1,580, you will only pay for the €1,580.
What are the associated costs?
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No activation feeActivating Click & Pay is completely free.Withdrawal fee
From 0.5% to 2% of each amount requested (minimum fee €30). The shorter the repayment period you select, the lower the fee will be.
You can request Click & Pay directly via the app or bbva.es
What can it be used for?
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You can use Click&Pay to make 6 types of payments. The maximum repayment term (months) for each is the following:
- Corporation Tax: max. 6 months.
- Personal income tax: max. 6 months.
- Imports: max. 4 months.
- Paying national suppliers: max. 3 months.
- VAT or IGIC: max. 3 months.
- Social security payments and salaries: 1 month.
This example will make it clear
Would you like more information?
If you draw down funds on 15 June, you will pay the first instalment on 15 July, exactly one month later.No. You can use Click & Pay to make payments for national and international purchase orders to suppliers, salaries, social insurance contributions, and taxes (e.g., VAT, Personal Income Tax, Corporation Tax, and IGIC).Yes, you can change it during the contract procedure. Once it has been approved, you cannot change it. Take into account that the limit you set does not affect the price. If you set a limit much higher than you need, it won't cost you more and you will be covered.No. The fee is charged to the linked account; but it is not deducted from the amount drawn down. If you request a €800 drawdown and BBVA approves, you will receive €800.If you apply through the app, you won't be required to sign in the presence of a notary publicYou might also be interested in
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Online Negocios Loan
The investment that your business needs (up to €50,000). Immediate approval and fixed, personalized interest rate. -
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Sick leave insurance
Ensure your income for when you are on leave from work and know in advance how much you will receive.
Be a BBVA customer.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
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.View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service. -
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SMEs SMEs How does it work?
-
To obtain the Click&Pay credit limit, you just have to complete the following steps:
- Take out a credit facility.
- Set an annual limit, which does not affect the price (you only pay for what you use).
- Use the money from the credit facility as you need it.
Remember, if you set an annual limit of €25,000 and you only use €1,580, you will only pay for the €1,580.
What are the costs?
-
No activation feeActivating Click & Pay is completely free.Withdrawal fee
From 0.5% to 2% of each amount requested (minimum fee €30). The shorter the repayment period you select, the lower the fee will be.
You can request Click & Pay directly via the app or bbva.es
What can it be used for?
-
You can use Click&Pay to make 6 types of payments. The maximum repayment term (months) for each is the following:
- Corporation Tax: max. 6 months.
- Personal income tax: max. 6 months.
- Imports: max. 4 months.
- Paying national suppliers: max. 3 months.
- VAT or IGIC: max. 3 months.
- Social security payments and salaries: 1 month.
This example will make it clear
Would you like more information?
You must be self-employed or an SME.If you draw down funds on 15 June, you will pay the first instalment on 15 July, exactly one month later.No. You can use Click & Pay to make payments for national and international purchase orders to suppliers, salaries, social insurance contributions, and taxes (e.g., VAT, Personal Income Tax, Corporation Tax, and IGIC).Yes, you can change it during the contract procedure. Once it has been approved, you cannot change it. Take into account that the limit you set does not affect the price. If you set a limit much higher than you need, it won't cost you more and you will be covered.No. The fee is charged to the linked account; but it is not deducted from the amount drawn down. If you request a €800 drawdown and BBVA approves, you will receive €800.If you apply through the app, you won't be required to sign in the presence of a notary publicYou might also be interested in
See more financing-
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Online Negocios Loan
The investment that your business needs (up to €50,000). Immediate approval and fixed, personalized interest rate. -
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BBVA Directors and Officers Liability Insurance
Deal with law suits that can jeopardize your personal assets as a manager or director.
Be a BBVA customer.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
Discover BBVA One View
Add and manage all your business bank accounts in one place.
Manage all your accounts, make better decisions, and save time for your business.
Manage all your accounts, make better decisions, and save time for your business.
-
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Business Business How does it work?
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To obtain the Click&Pay credit limit, you just have to complete the following steps:
- Take out the credit limit and sign the agreement before a notary.
- An annual limit is defined from a minimum of €2,000, which does not influence the price (you will only pay for what you use).
- Money is drawn against the credit limit. Once approved, it will be paid into the company's account.
- Each drawdown is paid in the maturity period that applies.
Remember that if the annual limit is €60,000 and only €3,000 is used, you pay for the €3,000.
What are the associated costs?
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With no interestThe interest is 0% regardless of the amount you request.No activation feeActivating Click&Pay costs your company nothing.Withdrawal feeEach time a drawdown is made, a fee will be charged on that amount.
You can request Click&Pay at your nearest BBVA branch.
What can it be used for?
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You can use Click&Pay to make 6 types of payments, each with a repayment deadline:
- Tax and other duties (VAT, Canary Islands tax, corporation tax and personal income tax): max. 6 months.
- Import payment for goods and services: max. 4 months.
- Supplier payments in Spain: max. 3 months.
- Welfare insurance and salaries: maximum 1 month.
The amount of each drawdown cannot be less than €2,000 or greater than the available limit.
This example will make it clear
Your company needs to meet certain expenses throughout the year. Therefore, you set an annual limit of €60,000. One of these expenses is a payment to a national supplier, so you decide to draw down €3,000 from the agreed limit.
Once approved by BBVA, you will pay a commitment fee (which varies according to the drawdown). Then, you will have up to 3 months to repay the drawdown with no interest. Once you have returned the €3,000, your limit will go back to €60,000.
Would you like more information?
To take out the Click & Pay Credit Limit, you must be a company with a turnover of over 5 million euros and an account with BBVA.Yes, you can change it during the contract procedure. Once approved, it is not possible to change it. The limit you set does not affect the price, so setting a limit far above what is necessary does not cost more, but will allow you to be covered.No. The fee is charged to the linked account; but it is not deducted from the amount drawn down. You request a €800 drawdown and BBVA approves it, you will receive €800.You might also be interested in
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BBVA Net Cash
Discover BBVA's online banking for SMEs and companies. Wherever you are, you will be able to manage your business accounts. -
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International financing
Obtain liquidity to securely develop your sales plans internationally. -
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BBVA Business Loan
Your loan from €3,000 up to whatever you need, with a maximum term of 10 years and a fixed, mixed or variable interest rate.
Be a BBVA customer.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
- At BBVA, we want to help you grow your business by offering the financing you need.
- 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.
Discover BBVA One View
Add and manage all your business bank accounts in one place.
Manage all your accounts, make better decisions, and save time for your business.
Manage all your accounts, make better decisions, and save time for your business.
-
Click&Pay is a credit limit for paying taxes, salaries, and suppliers. When you activate it, you have an amount of money available to use when you need it.