Businesses - Banco Sabadell
Solutions for businesses
Discover our solutions for businesses
For businesses and the self-employed
Become a customer* and avail of the following exclusive benefits:
- Enjoy your Sabadell Negocios AccountI or Negocios Plus AccountII with no requirements or fees in the first year.
- And if you sign up for a POS terminalIII:
- Get cashback of up to €400IV.
- No maintenance fee if you use itV. And 0.20% per transactionVI.
- And participate in the draw to be in with a chance of winning one of ten €5,000 VII prizes.
POS
Discover everything our Smart POS terminal can do for your business
With great added value features, such as fast sales search, sending receipts by email, and a 24/7 technical support service, 365 days a year. All POS terminals are designed to connect to one another, so that you can view the transactions made from any of them.
Financing
Finance your recurring payments easily and instantly1
Protection
An insurance designed to provide coverage to all kinds of businesses2
BEE Renting
We support you in the transition to a more sustainable economy
You may be looking for...
Accounts
No-fee bank accounts
Like the Sabadell Negocios Account and Sabadell Negocios Plus Account. No management fee and possible full or partial waiver of the maintenance fee. And free Mastercard Business cards, with no issuing or maintenance fees.
POS
A range of next-generation POS terminals for your business
Find out more
matricula-
Online banking for self-employed and businesses at Banco Sabadell
Do you have any questions?
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Branches and ATMs
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.
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
Legal terms and conditions
I. During the first 12 months of opening the Sabadell Negocios Account, the requirement established in the contract will not apply (0% APR, 0% NIR). 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 €140 per annum, which will be settled on a quarterly basis (€35 per quarter). Account profitability: 0% Nominal Interest Rate (NIR). Annual Percentage Rate (APR): -2.771%, example if an average balance of €5,000 is maintained for 1 year.
The maintenance fee is fully waived (profitability of the account of 0% NIR and 0% APR) if during the settled period:
- The account holder has engaged 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.
II. During the first 12 months of holding the Sabadell Negocios Plus Account, the contractual requirement will not apply (0% APR, 0% NIR). From the 13th month, there must be a minimum of €3,000 per month deposited in the account. 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. All POS terminals are products of Paycomet, S.L.U., a company of the Banco Sabadell Group. 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, with 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. Promotion run by Banco Sabadell, S.A. valid for new self-employed customers, businesses and SMEs with an annual turnover of up to €2 million operating in the retail sector, identified in the bank’s database under one of the NCEA codes included in the campaign, who have opened a Sabadell Negocios Account or Sabadell Negocios Plus Account together with signing up for a POS terminal between 28 September 2026 and 8 January 2027, both inclusive. The promotion will consist of a gross waiver of €50 per quarter where the net amount processed through any of the POS terminals contracted through the bank exceeds €12,000 and is less than €24,000 during the corresponding quarter, or a gross waiver of €100 per quarter where the net amount processed through any of the POS terminals contracted through the bank is €24,000 or more during the relevant quarter. In all cases, the maximum waiver will be €400 gross per annum.
V. For the first 6 months, there will be no POS terminal maintenance fee with the Sabadell Negocios Account and the Sabadell Negocios Plus Account, and the exemption will continue to apply from the seventh month if you carry out 20 or more transactions per month or generate a monthly billing of €4,000 or more. Otherwise, from the 7th month onwards, the maintenance fee for the Smart Dual Screen POS terminal shall be €9 per month, the Smart POS terminal shall be €9 per month, the Smart Phone & Sell POS shall be €9 per month, the Smart Mini POS shall be €7 per month, the Dataphone POS terminal shall be €6 per month and the SoftPOS Mobile POS terminal shall be €2 per month. There will be a maintenance fee for additional POS terminals of €5 per month (includes Smart Dual Screen, 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. The transaction fee of 0.20% will apply for all domestic personal cards and Bizum transactions, with a minimum of €0.07 per transaction. Personal cards issued in the EU 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. B2B cards incur a 2.95% transaction fee. 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.
VII. Customers who complete a minimum of 50 transactions or generate €5,000 in sales volume between 1 November 2026, and 8 January 2027 using their Smart POS, Smart Mini POS, Dual-Screen Smart POS, card reader, or SoftPOS mobile POS terminal will be entered into a prize draw to be in with a chance of winning one of ten €5,000 prizes. View the legal terms and conditions at
1 The granting, amount and term of each transaction requested will be determined by and subject to the Bank’s risk criteria.
2 Business Premises and Office Protection is an insurance of “BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros”, Tax ID A64194590 and registered office at c/ Isabel Colbrand number 22, 28050 Madrid, Spain, registered in the Mercantile Register of Madrid and in the Register of Insurance Companies of the DGSyFP under code C-0767. Insurance brokered by “BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A.”, Tax ID Number A08000143, located at Plaça de Sant Roc, nº 20, 08201 Sabadell, registered in the Mercantile Register of Barcelona and in the Administrative Register of the Directorate-General for Insurance and Pension Funds of the DGSyFP under code no. OV-0004, acting for “BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros”; “Zurich Insurance plc, Sucursal en España”; “BanSabadell Vida, S.A. de Seguros y Reaseguros”; “DKV Seguros y Reaseguros S.A.E.”, and “Sanitas, S.A. de Seguros”, holding a Civil Liability Insurance pursuant to the provisions of the regulations on 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
3 Product subject to risk issue. The granting, amount and term of each transaction requested will be determined by and subject to the Bank's risk criteria.
4 InstantCredit is the digital consumer finance solution for goods and services offered by Sabadell Consumer Finance, S.A.U. Sabadell Consumer is a credit institution belonging to the Banco Sabadell Group, with registered office at Pl. Catalunya, 1, 08201 Sabadell, tax ID A63574719, registered in the Mercantile Registry of Barcelona, volume 42,960, folio 80, page B295423, entry 73. Offer subject to the adherence to a collaboration agreement with Sabadell Consumer and the prior authorisation of the financing by the Bank. Digital solution available in the Smart POS terminal, Smart Mini POS terminals and Smart Dual Screen POS terminal.
Figures that speak for themselves