Associated Credit Account

Liquidity for your payments whenever you need it.

For your usual business activities.

Up to €25,000 credit in your account
You do not have to indicate the destination of the money with invoices.
Reduced interest rate if you take out and maintain other BBVA products.

Select if your Linked Credit Account would be for:

I am a self-employed worker

My company invoices under 5 million

How does it work?

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?

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?

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.

See details on how to improve the conditions
Would you like more information?

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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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.

See details on how to improve the 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).
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