Real estate - Banco Sabadell

* Offer valid until 08/01/2027, exclusively for new self-employed customers, businesses, and companies registered with the bank between 28/09/2026 and 08/01/2027.

I. During the first 12 months holding 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 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. Insurance policies brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A. (‘BanSabadell Mediación’) and sold and marketed through the network of Banco de Sabadell, S.A., an entity with which it has signed a distribution network services agreement. BanSabadell Mediación, whose registered office is located at Avenida Oscar Esplá, 37, 03007 Alicante, Tax ID A03424223, is registered in the Mercantile Register of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP with code no. OV-0004, acting on behalf of Sanitas, S.A. de Seguros, DKV Seguros y Reaseguros, S.A.E., BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros; and BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, and has taken out a civil liability insurance policy in accordance with 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  www.bancsabadell.com/bsmediacion
   
• 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 -1.393% APR: example if an average balance of €5,000 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 (0 % APR, 0 % NIR). 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. For the first 6 months, the POS terminal maintenance fee will be waived with the Sabadell Negocios Account and the Sabadell Negocios Plus Account, and will remain waived from the 7th month onwards if you make 20 or more transactions per month or generate a monthly billing of €4,000 or more. Otherwise, from 7th month onwards, the maintenance fee for the Smart Dual Screen POS terminal will be €9 per month, the Smart POS terminal will be €9 per month, the Smart Phone & Sell POS will be €9 per month, the Smart Mini POS will be €7 per month, the Dataphone POS terminal will be €6 per month and the SoftPOS Mobile POS terminal will 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. The Virtual POS terminal is excluded from the promotion. 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.

V. The transaction fee of 0.20% will apply for all domestic personal cards, 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.

VI. Business debit and credit cards free for the first year (no issue fee). The maintenance fee for the cards is €30/year for the Business Debit card and €40/year for the Business Credit card. As and from 6 November 2026, for customers holding a Sabadell Negocios, Sabadell Negocios Plus and/or Sabadell Empresas account, the annual maintenance fee for Business Credit and Debit cards will be automatically waived provided that the card has been used in at least one valid purchase, with any transaction for the purchase of goods or services carried out with the participating card being understood to be valid for the 12 months prior to the settlement date of said fee. This exemption will be applied in the same way in successive annual payments and will be applied in general, unless the customer has contracted or activated accessory services linked to the company card that are incompatible with said exemption. Business Platinum Credit card is free for the first year (no issue fee). The maintenance fee of the Business Platinum Credit card is €70/year. The granting of the credit card and its credit limit are subject to meeting the bank’s risk criteria and to approval following the relevant risk and viability assessment.