The following fees apply to the Linked Credit Account:
- Commitment fee.
- Availability fee.
- Administration fee.
- Early cancellation fee.
- Maintenance fee (applied to the average credit balance in each quarter, if any).
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Bienvenida Account for self-employed workers and companies
New bank, zero fees on the usual services. Whether you are self-employed, an SME or a company, a new bank has many advantages.
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Associated Credit Account
Liquidity for your payments whenever you need it.
Financing always available.
For your usual business activities.
Available only at our branches.
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Request an annual amount and use it as needed.
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You do not have to indicate the destination of the money with invoices.
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Reduced interest rate if you take out and maintain other BBVA products.
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How does it work?
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The Linked Credit Account allows you to have available liquidity when you need it. So you'll have a balance in your account for your business expenses. If you're self-employed, you'll be able to use it as working capital (for your daily business activity), to finance stock and other business activities.
You'll have access to a minimum of €3,000, with 12 months to repay and the ability to renew at expiration, up to a maximum of 3 years.
What's the interest rate?
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The Linked Credit Account will have a fixed interest rate for the first three months. For the remaining term, a variable interest rate will be applied (3-month Euribor + differential). The interest rate will be updated every 3 months.
Both the interest rate applied in the initial months and the margin that will be used subsequently are calculated based on the products you have with us and your financial situation.
How I can improve the conditions?
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You can reduce the interest rate by up to 1.50% if you direct deposit your payroll, social security or tax payments, contract BBVA services or meet certain conditions.
Would you like more information?
The only requirement you have to satisfy to open a Linked Credit Account is to be self-employed.You might also be interested in
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BBVA POS comparison tool
Thanks to our POS comparison tool, you can choose the best solution for your business. -
Promotion
Health Insurance for Self-Employed Workers
Comprehensive insurance policy for medical and hospital care, including surgery. With the Sanitas pool of doctors, with over 58,000 specialists and 4,500 medical centers at your disposal.
Take out a policy by June 1, 2026, and get 50% off for the first three months of the policy.
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Promotion
BBVA Allianz Autónomos Sick Leave Insurance.
- Supplement your income when you can't work.
- Know in advance how much you will receive.
- Additional benefit for hospitalization.
Get 15% off the net premium for the life of the policy if you purchase it online by August 31, 2026.
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How does it work?
-
The Linked Credit Account allows you to have liquidity when you need it. So you'll have a balance in your account for your business expenses. You'll be able to use it as working capital (for your daily business activity), to finance stock and other business activities.
You'll have access to a minimum of €3,000, with 12 months to repay and the ability to renew at expiration, up to a maximum of 3 years.
What's the interest rate?
-
In the first three months, the Linked Credit Account will have a fixed interest rate. For the remaining term, a variable interest rate will be applied (3-month Euribor + differential). The interest rate will be updated every 3 months.
Both the interest rate applied in the initial months and the margin that will be used subsequently are calculated based on the products you have with us and your financial situation.
How I can improve the conditions?
-
You can reduce the interest rate by up to 0.75% if you direct deposit your payroll, social security or tax payments, contract BBVA services or meet certain conditions.
Would you like more information?
The following fees are applicable to opening and using a Linked Credit Account:
- Commitment fee.
- Study fee.
- Availability fee.
- Administration fee.
- Early cancellation fee.
- Maintenance fee (applied to the average credit balance in each quarter, if any).
The only requirement you have to satisfy to open a Linked Credit Account is to be a SME.You might also be interested in
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Directors and Executives Civil Liability Insurance
BBVA Allianz D&O:
- Confront any lawsuits that can jeopardize your personal assets as a director or officer.
Ahora hasta un 15% de descuento en el precio total durante toda la vigencia de la póliza si contratas antes del 31 de Agosto.
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Civil Liability Insurance
BBVA Allianz CL SME:
- Cover indemnities and legal defense costs
- Protects against possible third-party claims.
- Coverage tailored to your professional activity.
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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.
Offer valid during current month