Online Credit Account

Liquidity to keep your business going

If you are self-employed, request a credit limit 100% online that will allow you to finance all your regular business expenses, cover your working capital requirements, inventory, or supplier payments without having to provide supporting documentation.

  • Between €3,000 and €25,000 a year to use whenever you want.
  • With a 12-month term.
  • With a fixed and personalized interest rate for as long as it is in force.

Do you need a line of credit of more than €25,000?

If you need more than the amount offered online or you are an SME, you can apply for the Negocios Credit Account at our branches.

More than just a credit

  • Online application

    Apply for financing quickly and easily, with a simple and immediate process that can be renewed annually.

  • Without justifying expenses

    You do not need to document what it is being use for by providing an invoice or similar, and it does not need to be signed before a notary.

  • Other procedures

    You can transfer money, pay bills through direct debit, or make payments using a POS terminal.

Apply for an Online Negocios Credit Account and forget about paperwork

  1. Log in to the app or your private web area under financing and choose Online Credit Account.
  2. Specify the amount you need to have available and simulate the fees you would have each quarter.
  3. Fill out the application form and sign it digitally to submit your application.

If everything is correct, you will be able to start using your account within 24 hours.

This example will make it clear

Imagine you have an architectural firm and you have an uneven stream of income.

You decide that you need to have €8,000 available for your business expenses and unexpected events.

As it is an account that provides a credit limit and allows you to perform the same transactions as your regular account (such as sending and receiving transfers, card payments and taking payment by POS terminal, etc.).

Enter your private area of the website or app and calculate the fees and interest you would have every quarter.

Complete the application with your digital signature and if everything is correct, you will receive the money within 48 hours.

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. Debtor interest. It is fixed and 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 apply 100% online

Would you like more information?

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.
  • Maintenance fee that is applied to the average credit balance in each quarter, if any.

Are you looking for another kind of financing for your business?

If this is not the product you were looking for, don't worry. We'll help you choose the one that best suits your needs with our financing adviser.

Would you prefer a different type of financing?

  • A credit line for your business's usual payments with no activation cost.
    • Finance payments to suppliers, taxes, payroll, social security or the collection on your bills.
    • You only pay an availability fee for the money you use from your limit, which varies depending on the term or purpose for which you use it.
    • No early repayment penalty.
  • This is a long-term loan that lets you get financing for your business investments, such as vehicles, machinery and more. 
    • Up to €50,000 for self-employed individuals and SMEs. 
    • Available in your account after signing. 
    • Fixed and personalized interest rate.
    • 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.

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 are working to make your life a little easier with our digital solutions.
  • Our approach is based on transparency, clarity and responsibility.
Online Credit Account
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