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 Empresas Account

The no-fee account for the business you want to have

Today and tomorrow, with no fees or conditions

  • € 0 Account and Business debit or credit loan.
  • €0 for transfers, checks and paychecks.

You can also have a specialized adviser to guide you from day one.

For new business customers that bill less than 5 million euros per year.

No fees or conditions, so you can stop worrying

For online or ATM transfers in euros, Swedish kronor or Romanian LEU (rum) in the European Economic Area, Iceland, Liechtenstein or Norway. And for payroll issuance. Transfers made on magnetic media, FMOs (Fund Movement Orders), and same-day-value transfers not included.

€0 Account

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

Cards

Negocios credit or debit card with no fees, ready for any expenses you have.

Checks

For issuing checks or for settling and trading domestic check deposits in euros.

Through 8/31/2025

To get up to €720 gross in 6 months

  • Open an Empresas Bienvenida Account online.
  • And direct debit your taxes and/or social security.

We will refund you the amount you pay, up to a maximum of €120 gross per month, which you can use for a new project, everyday expenses... or whatever your business needs.

To guide you from day one.

You will have a specialized adviser

Whom you can trust to answer any questions, manage your daily business, or advise you on new opportunities for your company.

Connect with your business wherever you are

You can do all your banking quickly and easily whenever you need to through online banking and the BBVA Empresas app.

So your business can continue to move forward

To open your Bienvenida Empresas Account, you just need

ID documents

Of the representative living in Spain (DNI ID card) and of the company (deeds, powers of attorney, etc.).

Digital Certificate

Have the Sole or Joint Administrator Certificate, or a certificate of representation of a legal entity, issued by the FNMT or by Izenpe, installed on this browser.

AutoFirma Software

Your computer must have the AutoFirma software installed and updated (version 1.7 or higher).

Private customer access password

If you already have an account as a private customer, you can use your login credentials and forgo the digital certificate.

ID documents

Of the representative living in Spain (DNI ID card) and of the company (deeds, powers of attorney, etc.).
Financing subject to prior analysis and approval by BBVA. 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. BBVA may require additional securities as a requirement prior to these products being taken out.