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.

Welcome Business Account for self-employed professionals

You're on the front lines every day, your account too

Making it much easier and affordable to pursue your projects and grow as a professional

  • Account and debit card with no conditions or fees.
  • With a specialized adviser to guide you from day one.
  • Now you can get up to €600 during the first year just by using your account and direct debiting your self-employment contributions. Plus, if you bring your balance, we'll double it up to €1,200!

Enter this code when you open your account before 05/20/2026.

Copy code PLAN1200

Open it 100% online in just a few minutes. Only for new customers.

How can you earn up to €1,200 in the first year?

You decide what you want to do and how much to add. You don't need to do it all, you can use your account however you want.

  • +€400 for bringing your self-employment contributions

    Earn €33.33 per month by direct debiting your self-employment contributions.

  • +€100 for paying your bills

    Direct debit your electricity, gas, internet or telephone bills and earn up to €8.33/month.

  • +€100 for using your card

    Pay with your Negocios Debit Card and earn up to €8.33/month.

  • And multiply it by 2, up to €1,200!

    If you maintain a balance of €20,000 in the first year, we'll double what you have earned, up to €1,200.

To have more for less: Fee-Free Account for Self-Employed Workers

Your Self-employed Workers Account with no fees or conditions for managing your day-to-day operations

With a fee-free Negocios Debit Card to manage your purchases and payments

We will transfer your income deposited in other banks for free, so you don't waste any time

And your adviser at your side from day one

From the moment you open your Bienvenida Negocios Account, you will have a dedicated account manager on hand to help you whenever you need it, provide advice, manage your day-to-day business, and answer any questions.

To start with more autonomy and fewer complications

*Fuel promotion: 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.

With an app that adjusts to your business hours, whatever they are.

Do your banking at any time, anywhere.

Optimal and streamlined processes

Pay your bills, self-employed workers' contributions or taxes, make transfers... without going through the branch.

Manage your cards

Disable or enable your cards or your team's cards. Whatever happens, you'll have control.

Offer payments with Bizum

Customers can choose this fast, simple, and secure payment option with no transaction limit.

Limit expenses

For example, expenses for meals, material or trips. Customize the notification thresholds to suit your preferred amounts.

To move forward with tailored solutions

This is the Negocios Account for self-employed workers with no fees or conditions

Online Negocios Bienvenida Account for self-employed workers with no account administration or maintenance fees, 0% NIR 0% APR (calculated assuming a daily positive balance for one year).

Negocios Debit Card

The bank account for self-employed professionals includes a debit card with no issuance or maintenance fee for each holder.  And now get up to 2% bonus on fuel.*

€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.

Open it 100% online and start being more autonomous

  • Provide the information requested

  • Confirm your identity through a video call

  • Sign with the password we will send you

  • If everything is correct, your account will be ready to use

Do you want to view the account documentation?

It is available in the FAQ section.
Autónomos Bienvenida Account
Become a BBVA customer