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 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.
You might also be interested in
See more financing-
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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.
Financing: Why BBVA? Financing: Why BBVA? 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 - Self-employed Your other banks - Self-employed 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 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.
Financing: Why BBVA? Financing: Why BBVA? 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.
BBVA One View - SMEs and Companies BBVA One View - SMEs and Companies 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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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.
You might also be interested in
See more financing-
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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.
Financing: Why BBVA? Financing: Why BBVA? 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.
BBVA One View - SMEs and Companies BBVA One View - SMEs and Companies 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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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.