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Sabadell Self-Employed Online Account

Online bank account for the self-employed:
0 fees
0 conditions

 Become a customerBecome a customer
Exclusively for new customers - Available Until 27/05/2026.
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Sabadell Self-Employed Online Account

0 fees,
0 conditions

 Become a customerBecome a customer
Exclusively for new customers - Available Until 27/05/2026.
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Here's how you’ll get your €2,120

Up to
€ 2,000
for transferring your funds
to the Sabadell Online Account
for the Self-Employed and the Sabadell
Online Accounta


€ 120
for setting up a direct debit for your self-employed social insurance contributionsb

Benefits of the Sabadell Self-Employed Online Account

  • Bank account with 0 fees and 0 conditions

     €0 in account maintenance and administration fees.

  • €120 cashbackb

     For paying your self-employed contribution.

  • 2 % APRa yield

     Get up to €2,000 for opening your self-employed account and personal account, with a maximum balance of €50,000 per account.

  • Essential bank services are free of charge

     Business debit and/or credit card with no issue or maintenance fees1, online transfers in the EEA (including immediate transfers), and cash deposits and withdrawals2 at debit free of charge.

  • Bank account with 0 fees and 0 conditions

     €0 in account maintenance and administration fees.

  • €120 cashbackb

     For paying your self-employed contribution.

  • 2 % APRa yield

     Get up to €2,000 for opening your self-employed account and personal account, with a maximum balance of €50,000 per account.

  • Essential bank services are free of charge

     Business debit and/or credit card with no issue or maintenance fees1, online transfers in the EEA (including immediate transfers), and cash deposits and withdrawals2 at debit free of charge.
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Open your Sabadell Online Account in just 10 minutes via your mobile
1. Scan the QR code with your mobile phone and access the process For your security, in the account registration process, we need you to identify yourself virtually.
2. Choose one or two holders Choose whether you want to open the account for yourself or share it with another holder. If you choose two account holders, an invitation will be sent to the second person to join the account. Once they have registered, the first account holder must accept the jointly held account arrangement via the app.
3. Fill in your details Create your user name to manage your account securely.
4. Identify yourself Take a photo of your ID and record a short video with your mobile phone.
5. Online signature Sign your digital contract. And you're done!

Sign up securely from your mobile phone through one of these two options:
 
Scan the QR code with your phone camera and open the fully digital registration process.
Copy the link and send it to your mobile. Enter it in the browser and access the digital registration process.
Copy the linkCopy the link
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POS terminal special offer

Your POS terminal with a more competitive offer than ever before
Enjoy a POS terminal3 adaptada a las necesidades de tu negocio.

Offer extended until 06/07/2026! Get it now
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Our commitments

A dedicated self-employed expert from day one

 Thousands of self-employed professionals have already chosen us and given us a 9 out of 10 for service, backed by the 95% of calls which are resolved in the same conversation.

You choose how to contact us:
  • On the website and the app: Written consultations via our Customer Help Area for your company profile.

  • Priority service for businesses and the self-employed: 962 000 610, available Monday to Thursday from 8 a.m. to 5 p.m., Friday from 8 a.m. to 3 p.m., and 24/7 for emergencies

  • Branch appointment: Schedule an appointment at one of our 1,000 branches.

More than half a million self-employed customers place their trust in us.
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Second personal account

Separate your finances

 After opening your Online Account for the Self-Employed, you can activate another free account, with no fees or conditionsa, for your personal finances via the app within the following 30 days.
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Chosen as the Best Online Account 2025!

 We are delighted to offer you the Best Online Account 2025 according to Rankia.
An achievement that would not be possible without our customers’ trust and appreciation. %>

4.6/5 rating on the App Store

Online Banking for Companies
With Banco Sabadell, carry out your day-to-day transactions in complete security through the channel of your choice.
Find out moreFind out more
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100% Refund on your membership or association fee7
And, if you are a member of your professional association that has an agreement with Banco Sabadell, we will reimburse 100% of your first year's membership or association fee7, provided it is paid via the Sabadell Online Account (up to a maximum of €100).
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Data that support out banking experience and digital innovation
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We answer your most frequently asked questions

What specific advantages does the Sabadell Online Account offer me as a self-employed person in my everyday life?
The Sabadell Online Account is for the self-employed and offers multiple advantages: 
  • 0 account management or maintenance fees.
  • €120 cashback every year for paying your self-employed social insurance contribution (RETA). This benefit also applies to self-employed workers in the Special Agricultural System and the Special Maritime Scheme.
  • 1 % APR yield for balances of up to a maximum of €20,000. 

  • Free Business debit and credit cards (no issue or maintenance fees) for the main and joint holders. 

  • Free online transfers in Euro within the European Economic Area, except for immediate transfers. 

  • Access to an expert manager for self-employed people who can assist you at branches or through digital channels. 

How does Banco Sabadell help me with my self-employed contribution (RETA) payment?
If you set up the payment of the Special Scheme for Self-Employed Workers (RETA) to be direct debited from your Sabadell Online Self-employed Account, we will pay €30 gross each quarter, which adds up to a total of €120 per year. This benefit also applies to self-employed workers in the Special Agricultural System (SETA) and the Special Maritime Scheme (RETM).

I am starting out as self-employed. What do I need to open this bank account?

 The setting up process is 100% online and you will need a mobile phone with a camera. The requirements to open a bank account are the following: being of age, being a new Banco Sabadell customer, and being a tax resident in Spain. During the bank account opening process, we will ask for an ID (DNI/TIE or NIE and passport) and you will need to enter your professional activity's CNAE so that the account is set for that exclusive use.

Does the Sabadell Self-Employed Online Account include personal expenses cards?

 Yes, the account comes with a Business debit card and a Business credit card with no issue or maintenance fees. You can use those cards to pay your business expenses with complete peace of mind and make free debit cash withdrawals at all Banco Sabadell ATMs.

My business needs a POS to accept card payments. What solutions do you offer?
When you sign up for the Sabadell Self-Employed Online Account, you can enjoy exclusive POS advantages. We also have specific offers adapted to different sectors.

Will I have a personal account manager who understands the needs of a self-employed person?
Yes, when you open the account, you will have a team of experts in self-employment at your disposal, in our more than 1,000 branches or through digital channels. You will also have a personalised helpline available to assist you with day-to-day management.

How do I manage my personal and professional finances? Do I need two separate accounts?

 The Sabadell Self-Employed Online Account is exclusively for professional activity. However, as holder of this account, you have the advantage of being able to open a second Sabadell Online Account for your personal finances. The bank will provide the contract for the personal account and the associated debit card so that you can sign it at your leisure through remote banking.

What is the current remuneration of the Sabadell Self-Employed Online Account?
The Sabadell Self-Employed Online Account gives a contractual return on the sum of the average monthly balances of the Sabadell Self-Employed Online Account and the Sabadell Savings Account of account holders linked to them at an NIR of 1.00% and an APR of 1.005% (up to the joint average balance threshold of €20,000).
  • Payment for each monthly period is made on the 15th day of the month (or the first working day) following each month of settlement for the duration of the promotional offer.
  • To calculate the remuneration, the average balance in the Sabadell Online Account and in the associated Savings Account will be taken into account, up to a maximum joint balance of €20,000.

Are there any fees if one month I earn less or have no income?

 No. The Sabadell Self-Employed Online Account has no conditions of any kind. This means that there is no minimum balance or regular income or number of transactions required to maintain the account benefits, such as zero management or maintenance fees.

Is it possible to open a Sabadell Self-Employed Online Account with two account holders?
Yes, the account supports a maximum of two account holders. The registration process can start with one or two account holders. If you select the two account holders option, the first account holder will complete their registration, and the second one will receive an email invite to join and complete their registration process.

What is the difference between the self-employed payment cashback and the bills cashback?
These are two different benefits with two distinct ends:
  • The payment of up to €120 per year from the second year onwards for the RETA payment is an exclusive benefit of the Sabadell Self-Employed Online Account.
  • The 3% energy and gas bills cashback is an exclusive benefit of the Sabadell Individual Online Account. If you as a self-employed worker open a personal use account, you will be able to enjoy this benefit.
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Do you have any questions?
We're here to help you

Branches and ATMs

 Find a branch or request an appointment

Premium service
Exclusive telephone service for customers, attended by business specialists.
962 000 610 from Monday to Thursday from 8 a.m. to 5 p.m. and Friday from 8 a.m. to 3 p.m.

Customer Service Dept
Log in to file an official claim

Helpdesk on X

Customer Service Department @Sabadell_Help
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Condiciones legales
a. Sabadell Self-Employed Online Account: No account management or maintenance fees. Promotion valid for accounts opened between 01/05/2026 and 27/05/2026. You will receive interest rate of 2% APR on balances of up to €50,000, calculated on the combined average balance of the Sabadell Online Account for the Self-Employed and Sabadell Savings Accounts held by the same account holders for personal or business purposes. Representative example of remuneration over one year calculated for a combined average monthly balance of €50,000: 2.001% NIR per annum, 2.019% APR, €1,000.46 in interest settled in the year. Settlement on a monthly basis and credited to the Sabadell Online Account on the 15th day of the following month (or the first working day before it). After the second year, the current profitability conditions of the account will apply.

Sabadell Online Account: No account management or maintenance fees. Promotion valid for accounts opened between 01/05/2026 and 27/05/2026.  2% APR will be paid on up to €50,000 average combined balance of the Sabadell Online Account and the Sabadell Savings Accounts of the account holders linked to it for personal purposes. Representative example of remuneration over one year calculated for a combined average monthly balance of €50,000: 2.001% NIR per annum, 2.019% APR, €1,000.46 in interest settled in the year. Settlement on a monthly basis and credited to the Sabadell Online Account on the 15th day of the following month (or the first working day before it). After the second year, the current profitability conditions of the account will apply.

See the terms and conditions of the promotion here.

b. Payment of €30/quarter for activating a Sabadell Online Self-employed Account and direct debiting your self-employment social insurance contributions from that account during this period (includes the self-employed under the Special System for Self-Employed Agricultural Workers and the self-employed under the Special Scheme for Sea Workers). The payment will be settled within the first 15 days following the end of the quarter and is subject to the current tax legislation.
 
1. The granting of the credit card is subject to the Bank's risk criteria and its approval, after the relevant risk and viability assessment has been carried out.

2. Withdraw cash by debiting from your balance free of charge at Banco Sabadell ATMs in Spain using your debit card, regardless of the amount. It is also free if you withdraw an amount equal to or greater than €60 at the ATMs of the main banks belonging to the EURO 6000 network: Abanca, Ibercaja, KutxaBank, Unicaja Bank, CajaSur, Caixa Ontinyent and Colonya Caixa Pollença.

3. All the POS terminals are products of PAYCOMET S.L.U. and marketed by Banco de Sabadell, S.A. Paycomet is a Payment Entity, part of the Banco Sabadell Group, with registered office in Torrelodones (Madrid) at Calle Camino de Valladolid 2, Local, registered in the Mercantile Register of Madrid, Volume 40,715, Folio 165, Page M-722,484, holder of Tax ID (CIF) N B95842522. Paycomet holds the funds received by users for safekeeping by depositing them in a separate account opened with Banco de Sabadell, S.A.

4. A transaction fee of 0.20% will be applied to all domestic personal cards, with a minimum of €0.07 per transaction. European personal cards have a fee of 0.40%, with a minimum of €0.07 per transaction. Domestic corporate cards have a fee of 0.80%, with a minimum of €0.07 per transaction. European corporate cards and non-European private cards, JCB, CUP, and Diners/Discover cards have a fee of 1.80% + €0.39, with a minimum fee per transaction of €0.46. Cards from companies outside of Europe have a fee of 2.20% + €0.39, with a minimum of €0.46 per transaction. Mastercard B2B cards that are part of the Global Wholesale Travel Transaction Program (GWTTP) programme have a transaction fee of 2.95%. Transactions made with American Express cards are excluded from this offer and are subject to specific fees. Specific prices apply to virtual devices: for more information, please contact your branch.

5. For the first 6 months, there will be no maintenance fee with the Sabadell Self-Employed Online Account, except for Virtual POS and Smart Phone&Sell POS terminals, which have no maintenance fee if you carry out 20 or more transactions per month or generate a monthly turnover of €4,000 or more (otherwise, a monthly maintenance fee of €9 will apply to both types). From the 7th month, the maintenance fee of the Smart Dual Screen POS terminal shall be €9 per month, for the Smart POS terminal it shall be €9 per month, for the Smart Mini POS terminal, €7 per month, for the Dataphone POS terminal, €6 per month and for the SoftPOS Mobile POS terminal, €2 per month. The maintenance fee for additional POS terminals is €5 per month (includes Smart Dual; Smart, Smart Mini and Dataphone POS terminals) and the fee for SoftPos Mobile POS terminals is €2 per month. VAT or the relevant indirect tax will be levied on the monthly POS terminal maintenance fee, in accordance with the recent ruling by the Spanish Tax Authority.

6. Exclusive conditions for self-employed, businesses, and companies belonging to a group with an agreement signed with Banco Sabadell. Check all the benefits you have as a member of your group by calling 900 500 170. The payment will accrue over a single year for subscriptions paid in the first 12 months, counting from and including the month in which you open the account. The payment will go into your account in the month after the first 12 months.
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BusinessBank accounts Sabadell Self-Employed Online Account
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Open your Online Account in 10 minutes. Become a customerBecome a customer