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      Online Credit Account

      Liquidity for your everyday business needs

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

      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. 

      Are you interested?

      You can contract it 100% online.

      Apply

      Would you like more information?

      • If you have a company, you must have been a BBVA customer for at least 1 year and have an open Negocios Account. In addition, your company must be at least 3 years old and not bill more than 5 million euros a year.
      • If you are self-employed, you must have been a BBVA customer for at least 6 months and have an open Negocios Account.

      If you have been a BBVA customer for less time, you can request a credit account at any of our branches.

      Yes, you can renew it every year for up to 3 years with the same conditions, provided that you do not have any outstanding debts in the credit account.

      Yes, the Online Credit Account has fees:

      Commitment fee applied to amount taken out in the contract and at each annual renewal.

      Early cancellation fee that is applied to the amount to be cancelled if you decide to close the account before the credit maturity date 

      Yes, it is possible that BBVA will not grant you the credit account. Please note that the application does not imply approval by the bank. Once you complete your application, the bank will determine whether your proposal is viable. 

      Would you prefer a different type of financing?

      • Click&Pay credit limit

        • Finance social insurance, payroll, taxes or vendors.
        • You only pay for the amount you draw down.
        • No early repayment penalty or activation fee.
        More information Apply
      • Online Negocios Loan

        • Up to €50,000 for self-employed individuals and €25,000 for SMEs. 
        • Have it in your account in 24 hours. 
        • Fixed and personalized interest rate.
        More information Apply
      • Reverse Factoring

        • We will arrange to pay your suppliers on the exact date. 
        • If you do not have liquidity, you can finance the repayment in installments. 
        • Your suppliers will be able to request payment in advance.
        More information Apply for this service
      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.
        See more
      • Manage your sales

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

      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
      Calculate payment
      Offer valid during current month
      1. Financing
      2. SME Online Credit Account

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