Pharmacies - Banco Sabadell

1. Return: 0% Nominal Interest Rate (NIR), 0% Annual Percentage Rate (APR). The conditions of the Sabadell Negocios Plus Account will apply exclusively to new customers of Banco de Sabadell, S.A. who are self-employed, businesses, or SMEs identified with one of the NCAE codes set out in the promotion Terms, available at https://www.bancsabadell.com/bsnacional/en/legal-terms-and-conditions-for-campaigns-and-promotions/ and who activate the account between 1 April and 15 June 2025, both inclusive.

2. 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, holder of Tax ID No. B95842522. Paycomet safeguards the funds received by users by depositing them in a separate account opened with Banco de Sabadell, S.A.

3. Between 1 April and 15 June 2025 (both inclusive), self-employed customers, businesses, and SMEs in the Health and Wellness sector who contract a new POS terminal with a flat rate monthly fee will receive a promotion of 6 months free by waiving the monthly fee for the flat rate they must pay according to the selected tier based on their monthly turnover (tiers included: €1,000/month to €10,000/month). Any excess monthly turnover beyond the selected flat rate tier will be charged at a 1.10% discount rate on the amount of each transaction.

The promotion excludes customers who had a POS terminal activated as at 31 March 2025. The promotion excludes Virtual POS, Smart Dual Screen POS, and Smart Phone&Sell POS terminals. Transactions conducted with American Express are excluded from these prices and will not count in the contracted Flat Rate billing tranches as American Express cards have their own rates.

The beneficiary status will be lost in any of the following cases: (i) termination of the merchant or POS terminal; (ii) exceeding the 10% limit on the total monthly billing of international cards, (iii) changing the fee mode (lower flat rate tier or discount rate) within the first 12 months of the contract, or (iv) refund of any monthly fee. If the POS terminal is not maintained for 12 months with the flat rate fee from the contract period or higher, penalties will be applied corresponding to the contracted fee amount and the promotion period.

For more information, see the terms and conditions of this promotion at www.bancsabadell.com/bsnacional/en/legal-terms-and-conditions-for-campaigns-and-promotions/.


4. Subject to the terms, conditions, coverages, insured amounts, restrictions, and exclusions established in the general and specific terms (where applicable) of the policy.

Promotion of the insurers BanSabadell Vida and BanSabadell Seguros Generales applicable to self-employed customers (individuals and adults) and businesses (legal entities), in both cases with tax residence in Spain, for new contracts entered into between 1 April 2025 and 15 June 2025, both inclusive, for any of the following insurance products: Life Care, Life Care Premium, Premium Accident, SME Life Protection (BanSabadell Vida products) or Shop and Office Protection (a BanSabadell Seguros Generales product). The closing date for the policy coming into force is 31 August 2025. The insurance must be taken out with annual, semi-annual or quarterly payment terms.

The insurance must be current and up to date with payment to be entitled to the incentive. Promotion applicable exclusively to the first year of the insurance policy. The incentive amount will be equivalent to the following: 

-     For contracts with annual payment: the amount equivalent to 25% of the total premium paid in the first bill will be paid.

-     For contracts with semester payment: 50% of the total amount will be paid in the receipt of the first semester.

-     For contracts with quarterly payment: the total amount paid in the first quarterly bill will be paid.

A one-time deposit will be made via bank transfer by the promoting entity, BanSabadell Vida and/or BanSabadell Seguros Generales, within a period between 60 and 90 days from the date of payment of the first receipt, into the account used for the payment of the new insurance product(s) contracted. Being paid the incentive is considered a capital gain for the taxpayer in the Personal Income Tax or a benefit in Corporate Income Tax for the policyholder, and is not subject to withholding. 
Terms and conditions available 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 Accident Premium 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 network of Banco de Sabadell, S.A., a company with which it has signed a distribution network services agreement. BanSabadell Mediación's registered address is 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 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 a list of the insurance companies with which BanSabadell Mediación has signed insurance agency contracts at www.bancosabadell.com/bsmediacion.


5. The granting of the loan, its amount and the repayment period for each transaction requested will be determined by and contingent on the bank’s risk criteria.

6. Product subject to risk acceptance. The granting, amount and term of each transaction requested will be determined by and subject to the Bank's risk criteria. The minimum amount for the facility will be €3,000, and the maximum will be €50,000. It will be available for one year, which can be extended for up to a maximum of five years.
APR drawdowns Online Payment Facility.
Interest rate: 0.00%. Drawdowns are interest-free and are repaid monthly. APR from 6.29% to 11.05%. Facility arrangement fee: 0%. Facility assessment fee: 0%. Examples of calculation where the first drawdown is on 20/09/2024:
APR: 6.29% on drawdowns of €3,000, to be repaid in 1 month with a drawdown fee of 0.5%
(no minimum). Single instalment of €3,000. Total amount payable: €3,015. Total cost of the loan: €15.
APR: 9.53% for a drawdown of €3,000 to be repaid in 3 months with a drawdown fee of 1.5% (no minimum). Three instalments of €1,000. Total amount payable: €3,045. Total cost of the loan: €45.
APR: 11.05% for a drawdown of €3,000 to be repaid in 6 months with a drawdown fee of 3% (no minimum). Six instalments of €500. Total amount payable: €3,090. Total cost of the loan: €90.

7. Shop and Office Protection, for your business, is an insurance policy of BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, 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 R.M. of Barcelona, and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP with code no. OV-0004, having taken out civil liability insurance in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in force at any given time. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion.

8. For detailed information on the offer, please contact Sabadell Consumer Finance S.A.U, a banking institution of the Banco Sabadell Group. Offer subject to the adherence to a collaboration agreement with Sabadell Consumer and the prior authorisation of the financing by the Bank.