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    Individuals Self-employed people and companies
    • Home
    • Accounts
    • Financing
      See all the financing
      Loan for self-employed workers and companies Commercial Premises Mortgage Online POS Terminal Loan Leasing Click & Pay credit limit Multi-Purpose Financing Line Credit Account
      • Financing for non-customers
    • POS terminal
      See all POS terminals and dataphones
      Virtual POS Mobile POS terminal Android POS terminal POS terminals for the hospitality industry POS terminal for tourism and hotels POS terminal sales management POS terminal for stores
      • Search for POS terminal
    • Cards
    • Insurance
      See all our insurance policies
      Civil Liability Insurance Sick leave insurance Health Insurance for the Self-Employed Health Insurance for Companies Multi-Risk Insurance Cyber Risk Insurance
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      Experiences

      • Aggregation service

        If you're self-employed, you can now add your other banks to the BBVA app.

      • BBVA My Business

        Manage your everyday business operations with ease on your cell phone.

      • BBVA Company aggregator

        All your business bank accounts in the same place with the aggregation service.

      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.
      More information
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      Apps for businesses
      Become a customer

      Financing

      Do you want to give your business a boost? Financing now with a maximum interest rate of up to Euribor +1%

      Become a customer with the Bienvenida Negocios Account, with no fees or conditions, to always have your finances under control and enjoy financing for your day-to-day business or to grow your business, now offering financing with a maximum interest rate of up to Euribor + 1%.
      Become a BBVA customer
      See terms and conditions
      Promotion valid until 08/31/2026.

      Once you are a customer, you will be able to enjoy your financing with a maximum interest rate of up to Euribor + 1%

      • Financing for your everyday life

      • Financing to grow your business

      Financing to cover cash flow needs, gaps between collections and payments, purchase stock, etc. Request an annual amount that you can use as needed, without providing proof of expenses and with no fees for cards, ordinary transfers or checks.

      See terms and conditions

      Collect bills of exchange, promissory notes and invoices early. Get liquidity to benefit from the full amount of any sales made, and finance working capital quickly and easily, with fast processing and approval.
      A credit line for your business's usual payments with no activation cost, so you can pay suppliers, taxes, payrolls, social security or bills. And you only pay a fee for the money you use. 
      We will arrange to pay your suppliers on the exact date. And if you don't have liquidity, you can finance the repayment. And your suppliers will be able to request payment of their invoices in advance. 

      Get personalized financing to purchase assets and get working capital for your company, such as specific financing for your production runs. You decide whether you want a fixed or variable interest rate.

      See terms and conditions

      Acquire equipment in comfort through rental payments. And when the lease contract ends, you will have the option to purchase the item. The best solution if you don't want to make an initial outlay and maintain your liquidity. 

      See terms and conditions

      Illustration of a hand and a leaf

      When going on a road trip, you can save on fuel costs

      Because we give you back up to 2% of the fuel you pay for with your Negocios Debit Card and at Repsol, Campsa and Petronor gas stations.* Now, with your Welcome Business Account, getting around will cost you less.
      Become a BBVA customer

      With the Negocios Bienvenida Account, your finances will be under control

      When you become a customer, you will have an account and debit card, at no cost and with no fine print. And you will have an adviser assigned to you from day one.

      You can also control your business transactions from the BBVA app: pay bills, make transfers, manage the card and much more.

      Open it online in just a few minutes.

      Open account
      See Negocios Bienvenida Account

      No fees, all benefits

      Welcome Negocios Account with no fees or conditions

      No account administration or maintenance fees, 0% NIR, 0% APR (calculated assuming a daily positive balance for one year).

      Negocios Debit Card

      The account includes a debit card with no issuance and maintenance fee for each holder.

      €0 for transfers

      From bbva.es, the BBVA app or ATMs within the European Economic Area.

      €0 for issuance and cashing of checks

      Without fees for issuing and collecting of national checks in euros.

      Become a BBVA customer

      *This document does not constitute a binding offer or recommendation from BBVA to take out the products and services described in it, nor does it replace or modify the pre-contractual and contractual documentation corresponding to these products and services. Formalization subject to prior analysis and approval by BBVA. BBVA may require additional securities as a requirement prior to these products being taken out.

      *Permanent 2% discount on fuel when you use your Negocios Debit Card at Repsol, Campsa, and Petronor service stations in the Solred network in Spain and Andorra. This discount will be shown on the Solred bill. The card is subject to approval by BBVA.

      1. Financing
      2. Financing promotion with special conditions self-employed workers
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