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Negocios Account

The account for your professional activity.

Only for new customers.
  • Negocios credit or debit card with no fees.
  • Without fees for standard transfers.
  • Without fees for issue and collection of national checks in euros.

What does it offer?

  • With the Bienvenida Negocios Account, you will be able to use the following services without fees:

    • BBVA Negocios Card (credit or debit) with no issue or maintenance fee for one credit or debit card. You can request one for each account holder and it must be approved by BBVA.
    • Checks in euros without fees for issue or for clearance and trading in Spanish banks.
    • No-fee standard transfers in Euros, Swedish krona or Romanian Leu within the European Economic Area if they are ordered from bbva.es, the BBVA app, BBVA Net cash and ATMs.

    Not including transfers made using magnetic media, FTOs (Funds Transfer Order), instant transfers and same-day value transfers. For transfers which are not included, accompanying expenses and transfer fees will apply.

Save on fees

  • The maintenance fee for the Bienvenida Negocios Account is €10/month, except for the first 12 calendar months after opening the account, when the fee will be €0. However, you are exempt from paying this fee if you satisfy at least two of the following requirements:

    • Social Security: you must have made three payments during the three calendar months prior to each settlement.
    • Taxes: you must have made a payment of VAT, Business Tax, IRPF (Personal Income Tax) or Corporate Tax in the three previous calendar months.
    • Employee payroll: you must have made at least two single salary payments of over €600 during the three calendar months before each settlement.

Legal information

  • A Negocios debit or credit card with this fee waived as long as it is direct debited in the Negocios Account. If the account holder has several cards, the exemption will apply to the card with the highest fee. The granting of the credit card is subject to approval by BBVA.
  • No fee for ordinary transfers 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, BBVA Net Cash and BBVA ATMs. This does not include payments made via magnetic media, bank transfer files, wire transfers, Same Day Value transfers or Instant transfers. For transfers which are not included, accompanying expenses and transfer fees established in the BBVA rates for these purposes will apply.
  • No fees for depositing or issuing checks in euros. For the 12 first calendar months of the opening of the Negocios Account, the maintenance fee will be €0/month. After that, if the conditions are not met following each monthly review, a €10 charge will be applied monthly for this item. 0% APR, calculated if the Negocios Account meets the payment requirements stipulated in the General Conditions of the Contract. APR of -1.98% if the requirements are not satisfied (calculated based on an average balance of €6000).
  • Salary payments: Make at least two single salary payments of over €600 during the three calendar months before each settlement. Social Security Payment: Make 3 payments during the three calendar months before each settlement. Tax payment: VAT / Business Tax / IRPF (Personal Income Tax) / Corporate Tax. You must have made one payment during the three calendar months before each settlement.