Credit Account
The liquidity you need for your business.
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Immediate liquidity.
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Financing that adapts to the everyday financial needs of your business.
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Self-employed Terms and Conditions
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- Interest rate: fixed.
- Administration fee: €0.
- Term: 12 months.
- Other terms and conditions negotiable according to the pricing strategy.
- Financing is subject to prior authorization by BBVA at the time the product is taken out.
- The Negocios Credit Account can only be taken out in-branch.
- Interest rate: fixed.
Benefits
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As you are required to open a Negocios Account, the following products are included for free:
- Negocios Card (debit or credit) with no annual fee. This exemption only applies to one Negocios Card per cardholder. If a cardholder has multiple cards, the exemption only applies to the card with the highest annual payment.
- No fees for issuing checks in euros. No clearing or transaction fees for depositing checks in euros in national markets.
- Unlimited free transfers in euros, Swedish krona, or Romanian leu (RON) within the European Economic Area, ordered via bbva.es, the BBVA App, BBVA Net Cash, and ATMs.
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Click&Pay credit limit
Liquidity at times of greater outgoings or less business. You only pay for what you use, with no interest or cancellation penalty. -
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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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SegurNegocios
Protect your business from material losses or damage. Covers breakage of machinery or electronic equipment.
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SMEs Terms and Conditions
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- Interest rate: fixed.
- Administration fee: €0.
- Term: 12 months.
- Other terms and conditions negotiable according to the pricing strategy.
- Financing is subject to prior authorization by BBVA at the time the product is taken out.
- The Negocios Credit Account can only be taken out in-branch.
- Interest rate: fixed.
Benefits
-
As you are required to open a Negocios Account, the following products are included for free:
- Negocios Card (debit or credit) with no annual fee. This exemption only applies to one Negocios Card per cardholder. If a cardholder has multiple cards, the exemption only applies to the card with the highest annual payment.
- No fees for issuing checks in euros. No clearing or transaction fees for depositing checks in euros in national markets.
- Unlimited free transfers in euros, Swedish krona, or Romanian leu (RON) within the European Economic Area, ordered via bbva.es, the BBVA App, BBVA Net Cash, and ATMs.
You might also be interested in
See more financing-
![]()
Click&Pay credit limit
Liquidity at times of greater outgoings or less business. You only pay for what you use, with no interest or cancellation penalty. -
![]()
Online Negocios Loan
The investment that your business needs (up to €50,000). Immediate approval and fixed, personalized interest rate. -
![]()
SegurNegocios
Protect your business from material losses or damage. Covers breakage of machinery or electronic equipment.
-
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Business How does it work?
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With the Business Credit Account, companies and institutions can obtain the financing they need at any time to cover their working capital, cash flow needs, stock purchases, and gaps between collections and payments.
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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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Financing of imports
- A credit limit for purchases abroad.
- An amount is available to you for the whole year.
- You can finance directly from your online banking service.
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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.
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If you are looking for financing for your company, with the Credit Account you will obtain the liquidity it needs to cover all business expenses, which will make your day-to-day operations easier.