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    Online Credit Account

    Liquidity for your everyday business needs

    Finance what you need.
    • 2 Up to €25,000 a year to make your purchases whenever you want.
    • 2 You do not have to submit supporting documents for expenses.
    • 2 Sign up instantly 100% online.

    As if it were your own money

    • You decide the amount and the destination
      You can request between €3,000 and €25,000 in credit annually. Once your application has been approved, it will be placed in your account so that you make payments as needed for your activity.
    • And also, the repayment
      There are no fixed fees. Throughout the year-long duration of the contract, you can place the amounts you wish in your account at the time that best suits you.
    Do you need a loan of over €25,000?
    If you need more than the amount offered online, you can apply for the Negocios Credit Account at our branches.
    Apply

    Forget about the paperwork

    • Sign up online
      1. Log in to your private area and choose the online credit account.
      2. Fill in the application and use your digital signature.
      3. If everything is correct, you can start using your account in just 24 hours.
    • No need to sign before a notary
      To open your credit account, you do not need to sign before a notary. Moreover, unlike other types of financing such as loans, you do not need to justify expenses by submitting invoices or similar documents. 
    With the Credit Account you can also make and receive transfers, pay bills using direct debit, or charge with a POS terminal.

    What about expenses and interest?

    • Every three months you will receive the charge corresponding to the settlement of expenses in your credit account. These are the usual expenses for in any credit account: 

      1. Interest on drawdowns. It is fixed and is applied to the amount you have drawn each quarter.
      2. Availability fee. It is applied to the amount you have not drawn each quarter. 

    Would you like more information?

    Would you prefer a different type of financing?

    See more financing

    We help you manage your business's day-to-day

    • Monitor your other banks

      Add and monitor your accounts at other banks without leaving the BBVA app.

    • Manage your sales

      If you have a business, manage your sales, remittances, and POS terminal quickly and easily with My Business.

    Be a BBVA customer.

  • At BBVA, we want to help you grow your business by offering the financing you need.
  • We're leaders in digital innovation and we're working to make your life a bit easier.
  • We believe in doing things a transparent, clear and responsible way.
    • Online Credit Account Apply