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Negocios Account

Negocios Account

An account designed for the self-employed and SMEs who need an account for their business.

  • No account maintenance fees when you set up direct debit payment or your taxes, social security contributions, and/or payroll.

  • A BBVA Negocios credit or debit card with no issuance or maintenance fees.

  • Unlimited fee-free transfers through digital channels.

Apply now

  • Risk level

    / 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.

What does it include and what main features does it offer?

  • The Negocios Account, an account for the self-employed and SMEs designed exclusively for business.
  • A BBVA Negocios credit or debit card for account holder with no issue or maintenance fee. The granting of the Negocios Credit Card is subject to the prior approval of BBVA.
  • No fees for issuance of checks in Euros.
  • No fee for settling and trading checks in Euros nationally.
  • Ordinary transfers in Euros, Swedish Krona or Romanian Leu within the EEA ordered via bbva.es, the BBVA app, BBVA Net cash and fee-free ATMs (1).

How to get this account

The Negocios Account is suitable for the self-employed (individuals) and SMEs (legal entities). 

If you are self-employed, you can request the Negocios Account and the Negocios Debit Card through bbva.es or the BBVA app. If you would like a Negocios Account and a Negocios Credit Card, please visit a BBVA branch.

If you are an SME, please go to any BBVA branch to carry out this procedure.

What are your requirements?

  • Arrange for at least two of the following payments to be taken directly from your Negocios Account:
    • Social Security Payment. You must have made three payments in the three calendar months before each settlement.
    • Taxes paid (VAT / Business Tax / IRPF (Personal Income Tax) / Corporation Tax). You must have made one payment during the three calendar months before each settlement.
    • Employee payroll. You must have made at least two separate salary payments of more than €600 in the three calendar months before each settlement, with no minimum amount. 
  • If you cancel the Negocios Account, you will have to register your Negocios Card with another Negocios Account to continue enjoying paying no card issue and maintenance fee. 

How much does it cost?

  • Complying with linking requirements: €0/month account maintenance fee.
  • If the account does not comply with linking requirements during a given month, a maintenance fee of €10 will be paid for said month.
  • Implicit overdraft fees: see fees section.

For the 3 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. The Negocios Account fees will be settled on day 15 of each month, when the requirements in the 3 calendar months before the month of settlement will be revised.

Enjoy our promotions

  • Sign up for a POS terminal for your business and pay nothing for the first two installments of the discount tariff. Promotion applicable to Physical, Mobile and Virtual POS terminals (2).

See legal notice.

Terms and Conditions Costs
Settlement interval Monthly
Account maintenance

If the account does not meet the conditions: €10/month 

If the account meets the conditions: €0/month 

See conditions in the "Features" tab

Account administration €0 per note

Annual interest rate on loans (1)

0%

Implicit overdraft interest rate 29%

Implied overdraft fee

4.50% on the largest outstanding balance. €15 minimum

overdraft

From €0 to €18: €0 

From €18: €30

Issue or maintenance fee for the Negocios debit or credit card, per account holder. (2)
€0 if registered with the Negocios Account.



Transfers via bbva.es, BBVA App, BBVA Net Cash or ATMs. (3)

€0

Instant transfers
€0.90 for self-employed individuals and €1.50 for SMEs.

Clearing and trading fee for check deposits in euros nationally

€0

Issuing checks in Euros €0
Fee for debit card cash withdrawals from ATMs

At BBVA ATMs: €0 

At ATMs of other banks: BBVA will pass on the fee charged by the ATM bank to BBVA. You will be informed of this amount by the bank that owns the ATM before you withdraw the cash. 

At ATMs outside Spain: 4% (minimum €2.40)


Fee for cash withdrawals on credit using the card at ATMs

At BBVA ATMs: 2% (minimum €1.80) 

At ATMs of other banks: BBVA will pass on the fee charged by the ATM bank to BBVA. You will be informed of this amount by the bank that owns the ATM before you withdraw the cash. BBVA will also charge a fee for funds withdrawn on credit from BBVA Group ATMs in Spain. 

At ATMs outside Spain: 4% (minimum €2.40)

See legal notice.

You can view the list of the most representative services associated with a payment account here.