Insurance for companies, self-employed and businesses - Banco Sabadell

* Offer valid until 30/09/2025, exclusively for new self-employed customers, businesses, and companies that sign up with the bank between 01/07/2025 and 30/09/2025.

I. During the first 12 months holding the Sabadell Negocios Account, the requirement established in the contract will not apply. From the 13th month onwards, you will only need to have your salary or regular monthly income of a minimum amount of €700 deposited directly into your account, excluding income from accounts opened in the Banco Sabadell Group in the name of the same account holder. If the requirement of a regular monthly income of €700 in the first two months is not met before the quarterly settlement, the Sabadell Negocios Account will automatically become a Relación Account.

The maintenance fee for the first 12 months will be €0. From the 13th month, the maintenance fee of the Sabadell Negocios Account will be €100 per annum, which will be settled on a quarterly basis (€25 per quarter). Account profitability: 0% Nominal Interest Rate (NIR). Annual Percentage Rate (APR): -3.940%, example: if an average balance of €2,500 is maintained for 1 year.

The entire maintenance fee is waived (account profitability of 0% NIR and 0% APR) if during the settled period:

• The account holder has taken out through the bank and brokered through BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., Tax ID A-03424223, one of the following insurance policies: Car Protection, Business Premises and Office Protection, Business Protection, Self-Employment Income Protection, Life Protection, SME Life Protection, SME Health Protection, Civil Liability or Professional Civil Liability.
• Or, if in the last three months, the account holder has carried out at least 60 purchase transactions with the Point of Sale Terminal (POS) contracted with or through the Bank, or has billed at least €6,000 with the POS terminal contracted with or through the Bank.

Waiver of half the maintenance fee (profitability of the account of 0% NIR and -1.9850% APR: example if an average balance of €2,500 is maintained for one year) if, during the last three months, the following condition is fulfilled by the merchant, business or company: the account is debited six times to pay wages and salaries, taxes or social insurance contributions.

II. The requirement established in the contract will not apply for the first 12 months of contracting the Sabadell Negocios Plus Account. From the 13th month, there must be a minimum deposit of €3000 per month. This requirement must be met on a monthly basis, and if it is not met for two consecutive months, the Sabadell Negocios Plus Account will automatically become a Relación Account. Income from accounts opened with the Banco Sabadell Group in the name of the same account holder are excluded.

III. 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 No. B95842522. Paycomet holds the funds received by users for safekeeping by depositing them in a separate account opened with Banco de Sabadell, S.A.

IV. The transaction fee of 0.25% will apply for all domestic personal cards, with a minimum of €0.07 per transaction. EU personal cards will be charged a fee of 0.40%, with a minimum of €0.07 per transaction. Business cards issued in this country will incur a 0.80% fee with a minimum of €0.07 per transaction. EU business cards, non-EU personal cards, JCB, CUP and Diners/Discover cards incur a 1.80% + €0.39 fee, with a minimum fee of €0.46 per transaction. Business cards issued outside the EU will incur a fee of 2.20% + €0.39 with a minimum of €0.46 per transaction. For Mastercard B2B cards under the GWTTP programme there is 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.

V. For the first 6 months, there will be no maintenance fee with the Sabadell Negocios, Negocios Plus Account and Sabadell 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. There will be a maintenance fee for additional POS terminals of €3 per month (includes Smart Dual; Smart, Smart Mini and Dataphone POS terminals) and the fee for SoftPos Mobile POS terminals will be €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.

VI. Insurances subject to the terms, conditions, coverage, insured amounts, limitations, and exclusions set forth in the general and specific terms of the policies.

Promotion offered by BanSabadell Vida and BanSabadell Seguros Generales applicable to self-employed customers (natural persons and adults) and businesses (legal persons), tax resident in Spain, for the new contracting of any of the following insurance policies: Life Care, Life Care Premium, Premium Accidents, SME Life Protection (BanSabadell Vida products) or Business Protection (BanSabadell Seguros Generales product) – between 1 July and 30 September 2025, both included, with a maximum effective date of 15 October 2025 included, with a minimum annual premium of €300 or more.

The promotion consists of an incentive for taking out an insurance policy of one of the Promotional Products equivalent to two months of the total annual premium: (total annual premium/12) x 2.

To claim the incentive, you will need to apply for it by registering at www.sabadellsegurosypensiones.com/es/acciones/nuevos-clientes-julio-septiembre-2025 before 1 December 2025.

The incentive will be paid in a single deposit by bank transfer by the promoting entity, BanSabadell Vida and/or BanSabadell Seguros Generales, during December 2025 to the account from which the payment of the new insurance policies is made. The Incentive shall only be paid in the first insurance year.

Being paid the incentive is considered a capital gain for the taxpayer in Personal Income Tax or a benefit in Corporate Income Tax for the policyholder, and is not subject to withholding. 

View the rules of this promotion at www.bancsabadell.com/bsnacional/en/legal-terms-and-conditions-for-campaigns-and-promotions/.

Life Care, Life Care Premium, and SME Life Protection are life insurance policies, and Premium Accident is an accident insurance policy, all offered by BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered office at C/ Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Register of Madrid and the Insurance Companies Register of the DGSyFP under code no. C0557.

Business Premises and Office Protection is an insurance policy of BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A64194590, with registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Insurance Companies Register of the DGSyFP under code no. C-0767.

Insurances brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell S.A. ("BanSabadell Mediación") and marketed through the Banco de Sabadell S.A. network, an entity with which it has signed a distribution network services agreement. BanSabadell Mediación's registered address is Avenida Oscar Esplá, 37, 03007 Alicante, Tax ID A03424223, and is registered in the Mercantile Registry of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP under code no. OV-0004, acting for BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, and BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in effect at all times. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at: www.bancosabadell.com/bsmediación.

1 Optional coverage.

2 This insurance product offers coverage of the obligations of a company by means of a collective bargaining agreement for social security, which establishes the obligation to have life insurance, and the voluntary commitments acquired by a company with its employees through life insurance.

3 The maximum actuarial age when taking out the insurance is 69 years, and the maximum coverage age is 70 years for all coverage.

4 If the purpose is to meet obligations of the collective agreement, it will include all the minimum coverage and capital required with the option of being able to increase them. If for voluntary improvement purposes, one may freely choose the optional coverage from the different options available. Please contact a manager for further information.

5 The maximum age for contracting is 65 years old, and the maximum coverage age is 70 years old for death coverage and 65 years old for the rest of the coverage.

6 Video consultations included in the insurance, applicable to all self-employed persons who hold the Sabadell Health Protection products, which will include video consultation for all medical specialities that can be attended in this way and will be included in the policy during its entire validity period unless otherwise communicated by Sanitas.

7 DKV Seguros can request complementary documentation if necessary.

8 Current legislation allows you to benefit from a reduction in the general taxable base for personal income tax purposes, depending on your economic and personal circumstances and the autonomous community in which you live.

SME Life Protection and Directors Life are both insurance policies of BanSabadell Vida S.A. de Seguros y Reaseguros, with Tax ID A08371908 and registered office at c/ Isabel Colbrand, 22, 28050, Madrid, Spain, registered in the Mercantile Register of Madrid and in the Register of Insurance Companies of the General Directorate of Insurance and Pension Funds under the code C-557.

SME Health Protection and Health Protection are both insurance policies from the insurance companies Sanitas, S. A. de Seguros and BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros as co-insurers, each with a 50% participation in the co-insurance. Sanitas, Sociedad Anónima de Seguros, with Spanish Tax ID Number A28037042 and registered office at c/ Ribera del Loira, 52, 28042, Madrid, Spain, registered with the Madrid Mercantile Registry and the Register of Insurance Companies of the DGSyFP under number C-320. BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A64194590 and its registered office at C/ Isabel Colbrand, 22, 28050, Madrid, Spain, registered with the C.R. of Madrid and DGSyFP Insurance Companies Registry under code no. C-0767.

Self-employed Subsidy Protection is an insurance policy from DKV Seguros y Reaseguros, S.A.E., with registered offices in Spain, WTCZ —Edificio DKV—, Av. María Zambrano, 31, 50018, Zaragoza, registered in the Mercantile Register of Zaragoza, in volume 1711, folio 214, page Z-15152, tax ID number A-50004209 and registered in the Administrative Register of Insurance Companies of the DGSyFP, with code C-0161.

Company Protection and Directors and Officers Protection (D&O) are two insurance policies from Zurich Insurance Europe AG, Spain Branch, with Tax ID no. W0072130H and registered office at Paseo de la Castellana, 81, planta 22, 28046, Madrid, registered in the Administrative Register of the General Directorate of Insurance and Pension Funds under code E0189.

Shop and Office Protection is an insurance policy of BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A64194590, with registered office at c/ Isabel Colbrand, 22, 28050, Madrid, registered with the Mercantile Register of Madrid and the DGSyFP Insurance Companies Register under code no. C-0767.

Hotel Protection is an insurance policy of Zurich Insurance plc, Spanish Branch, with Tax ID no. W0072130H and registered office at c/ Agustín de Foxá, 27, 28036, Madrid, registered in the Mercantile Register of Madrid and in the Administrative Register of Insurance Companies of the DGSyFP with code no. E-0189.

Employment Pension Plan:
Managing entity: BanSabadell Pensiones E.G.F.P., S.A., with Tax ID No. A-58581331 and registered office at c/ Isabel Colbrand, 22, 28050, Madrid. Registered in the Comp. Reg. of Madrid and in the Register of Administrative Entities maintained by the DGSyFP under code no. G-0085.
Depositary entity: BNP Paribas, S.A., branch in Spain, with Tax ID No. W0011117-I and its registered offices at c/ Emilio Vargas, 4, Madrid. Registered in the special register of pension fund depositary entities maintained by the DGSyFP under code no. D-0197.
Marketing agent of pension plans: Banco de Sabadell, S.A., with Tax ID No. A08000143 and registered offices at Plaça de Sant Roc, nº 20, 08201 Sabadell. Registered in the Mercantile Register of Barcelona and in the DGSyFP under code no. D-0016.
Each company that formalises one will have the status of promoting entity of the employment pension plan.

Simplified Employment Pension Plan for the self-employed:
Managing entity: BanSabadell Pensiones E.G.F.P., S.A., with Tax ID No. A58581331, whose registered office is c/ Isabel Colbrand, 22, 28050, Madrid. Registered in the Madrid Mercantile Register and the DGSyFP Management Company Register under code no. G-0085.
Depositary entity: BNP Paribas Securities Services, S.C.A., branch in Spain, with Tax ID No. W-0012958-E and its registered offices at c/ Emilio Vargas, 4, Madrid. Registered in the special register of pension fund depositary entities maintained by the DGSyFP under code no. D-0163.
Promoter entity: the entity that promotes the pension plan. For example, they may be associations, federations, confederations or unions of associations of self-employed or self-employed workers, trade unions, professional associations or mutual benefit societies.
Marketing agent of pension plans: Banco de Sabadell, S.A., with Tax ID No. A08000143 and registered offices at Plaça de Sant Roc, nº 20, 08201 Sabadell. Registered in the Mercantile Register of Barcelona and in the DGSyFP under code no. D-0016.

Insurance mediated by BanSabadell Mediación, Linked Banking Insurance Operator of the Banco Sabadell Group, S.A. (“BanSabadell Mediación”) and marketed through the network of Banco de Sabadell S.A., entity with which it has signed a distribution network services contract. BanSabadell Mediación is domiciled at Plaça de Sant Roc, nº 20, 08201 Sabadell, Tax ID A08000143, and is registered in the Mercantile Registry of Barcelona and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP with code no. OV-0004, acting for BanSabadell Vida, S.A. de Seguros y Reaseguros, BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros; Sanitas, S.A. de Seguros; DKV Seguros and Reaseguros, S.A.E: and Zurich Insurance Europe AG, Spain branch, having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in effect at any given time. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency agreement at the website: www.bancsabadell.com/bsmediacion.

For Employment Pension Plans:
Managing entity: BanSabadell Pensiones E.G.F.P., S.A., with Tax ID No. A-58581331 and its registered offices at c/ Isabel Colbrand, 22, 28050, Madrid. Registered in the Comp. Reg. of Madrid and in the Register of Administrative Entities maintained by the DGSyFP under code no. G-0085.
Depositary entity: BNP Paribas, S.A., branch in Spain, with Tax ID No. W0011117-I and its registered offices at c/ Emilio Vargas, 4, Madrid. Registered in the special register of pension fund depositary entities maintained by the DGSyFP under code no. D-0197.
Marketing agent of pension plans: Banco de Sabadell, S.A., with Tax ID No. A08000143 and registered offices at Plaça de Sant Roc, nº 20, 08201 Sabadell. Registered in the Mercantile Register of Barcelona and in the DGSyFP under code no. D-0016. Each company that formalises one will have the status of promoting entity of the employment pension plan.