Bienvenida Account for SMEs and self-employed workers

An online account for today, a bank for the future

The fee-free account with which you can get up to €720 gross in 6 months to promote a new project, for everyday expenses, etc. or whatever your business needs:

  • When you become a customer
  • And paying your taxes and/or social security contributions by direct debit

We give you back the amount you pay up to a maximum of €120/monthly so you can decide. 

In addition, you can count on the support of a specialized adviser from day one.

Accounts designed with you in mind

Choose the account that best suits your business.

  • The account for companies with an annual turnover of less than 5 million euros.

    Bienvenida Business Account with no fees or conditions.

  • The account for self-employed workers and independent professionals

    Bienvenida Negocios Account with no fees or conditions.
For new self-employed customers and companies with a turnover of less than 5 million euros/year, valid until 12/31/2025. An account with no maintenance or administration fees. 0% NIR, 0% APR, assuming a positive daily balance for one year. No fee for transfers in the European Economic Area, or for issuance of payroll, nor for national checks in transactions through online banking or BBVA ATMs. Maximum bonus €120 gross each month for 6 months (if one month the maximum bonus is not reached, the remaining amount does not carry over or accumulate for the following months). Withholding: 19%. BBVA is not responsible for possible legal changes in tax matters. See terms and conditions at bbva.es