RISK LEVEL
1/6

This number indicates the product risk, with 1 / 6 representing the lowest risk and 6 / 6 representing the highest risk.

BBVA is affiliated with Spain's Deposit Guarantee Fund for Credit Institutions. The maximum amount guaranteed is €100,000 per person for the total of all deposits established at BBVA.

Bienvenida Negocios Especializados Account

The fee-free Bienvenida Accounts that keep pace with your business

  • You can save up to €720 if you open your account and direct debit your taxes, social security or self-employment contribution.
  • You will have your account and debit card without fees or conditions.
  • And you can talk to your personal adviser at any time.

 

Only for new self-employed customers and companies with a turnover below 5 million euros a year.

Until 04/30/2026

Do you want to get up to €720 gross in six months?

We make it easy for you at BBVA. To get back €120 a month for six months (€720 in total), all you have to do is:

  • Open your Bienvenida Account with no fees or conditions.
  • Pay your self-employed worker's payment, social security or taxes by direct debit.

Only for new self-employed customers and companies with a turnover below 5 million euros a year.

Once you join BBVA, you can continue to grow

With products and solutions designed to keep you moving forward

Everything will be quick and easy, so you can focus on what's important.

  • An adviser for you

    To advise you and resolve your doubts. You can send messages using the app, or get in contact by phone or in the branch.

  • Your bank on your smartphone

    Manage payments, income, taxes and transfers with your BBVA app and your BBVA Empresas app, without going to a branch.

  • BBVA Tools

    With My Business, you will be able to control all your business sales in real time from your app.

And no hidden costs at the end of the month

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 or payrolls

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

€0 for issuance and collection of checks

No fees for issuing and collecting of national checks in euros.

More than 500,000 businesses and 350,000 companies already trust BBVA, are you ready to join us?

Would you like more information?

The Bienvenida Accounts have no fees for standard and instant transfers and payrolls in euros, Swedish krona or Romanian leu (RON) within the European Economic Area (members of the European Union in addition to Iceland, Liechtenstein, and Norway) ordered from bbva.es, the BBVA app, online business banking and standard (single) transfers placed through BBVA ATMs.

Transfers using magnetic media, Fund Movement Orders (FMOs) or Value Day transfers not included. For transfers that are not included, the accompanying expenses and transfer fees established for these purposes on the rate sheet will apply.

See rates

This document does not constitute a binding offer or recommendation by BBVA for the contracting of 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.