Interest calculator for remunerated account
Simulate the return on your Sabadell Online Account and
discover the potential of your savings
Calculate the interest on your account in one year here
A great move.
No fees or conditions.
Only until 07/01!
A great move.
No fees or conditions.
Only until 07/01!
Calculation
How to calculate the interest on a remunerated account?
This formula allows you to easily estimate how much you can earn depending on the amount of money you keep in the account and how long you keep it deposited.
Payment
When is the generated interest paid?
How to choose
How to choose an interest-bearing account?
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Sign up securely from your mobile phone through one of these two options:
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Why choose the remuneration of the Sabadell Online Account?
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Monthly settlementThe Sabadell Online Account is credited on the 15th of the following month (or the previous working day).
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Your money is always accessibleYour savings are available whenever you need them, while continuing to earn interest.
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Get 3% back on your gas and electricity bills¹Set up a direct debit for your gas and electricity bills into your account and get 3% back.
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No fees or conditionsStart saving easily and without unexpected costs.
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Monthly settlementThe Sabadell Online Account is credited on the 15th of the following month (or the previous working day).
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Your money is always accessibleYour savings are available whenever you need them, while continuing to earn interest.
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Get 3% back on your gas and electricity bills¹Set up a direct debit for your gas and electricity bills into your account and get 3% back.
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No fees or conditionsStart saving easily and without unexpected costs.
More information about the remuneration of your account
The NIR is a fixed percentage applied to your account balance to calculate interest.
The APR reflects the actual annual return, as it includes the NIR along with payment frequency and any other possible expenses or benefits.
The simulator calculates your account’s remuneration considering a combined maximum balance of €50,000. This means that even if you maintain a higher balance, remuneration is applied only up to that limit, just like in the Sabadell Online Account.
All holders of the Sabadell Online Account, whether individuals or self-employed, can benefit from the remuneration up to a combined maximum balance of €50,000.
Fees
View the fees that apply to the most frequently used services of the account
We provide you with the Fees Information Document which shows the fees payable for the most frequently used services of the Sabadell Online Account. It will help you to compare the Sabadell Online Account with other payment accounts.
Payment account transfer service
We answer your most frequently asked questions
What are the features of the Sabadell Online Account?
In the Sabadell Individual Online Account:
- No management or maintenance fees, no conditions or salary direct deposit or direct bill debiting requirement, nor minimum term commitment.
- One debit and/or credit BS Card: no issuance or maintenance fees.
- 3% cashback on direct debited electricity and gas bill payments, unlimited.
- Send and receive money from mobile to mobile with the free Bizum service.
- Free transfers in euros from your app within the EEA, including immediate transfers.
In the Sabadell Self-Employed Online Account:
- No conditions of any kind, you pay no management or maintenance fees.
- One free BS Business debit and/or credit card: no issuance or maintenance fee.
- Quarterly credit per account, up to €30 gross for direct debit of self-employment tax (RETA).
- Free transfers in euros from your app within the EEA, including immediate transfers.
The second or subsequent credit cards per cardholder, for individuals and the self-employed alike, will be subject to payment of the issuance and maintenance commission established by the Bank at any given time for the different types of credit card.
The granting of any card depends on two factors: on the one hand, that the cardholder meets the Bank's risk criteria and on the other, that the Bank continues to market these cards.
The granting of any card depends on two factors: on the one hand, that the cardholder meets the Bank's risk criteria and on the other, that the Bank continues to market these cards.
Who can open a Sabadell Online Account?
The Sabadell Online Account is for natural persons. When it is used for a private individual, it may either be called “Sabadell Individual Online Account”, or for the self-employed, depending on its professional purpose, as “Sabadell Self-Employed Online Account”. New Banco Sabadell customer that open it online. They must be of legal age, be tax residents in Spain, not be Banco Sabadell customers, not hold US nationality and not have held a public office for the last 2 years.
If you are a private individual, the account must be exclusively used for private activity of the account holders as consumers.
If you are self-employed, by entering the CNAE of the activity, the account will be for professional use only.
It is important to remember that if the address for tax purposes that appears on your National Identity Card or TIE for foreign residents, does not match the one that you enter during the process of setting up the Sabadell Online account, there are cases in which it will not be possible to complete the registration process due to legal or fiscal prevention criteria.
If your passport and residency certificate are your form of identification, you must enter the address that appears on the residency certificate.
If you do not have any of the above documents, you can go to any Banco Sabadell branch.
If I am already a Banco Sabadell customer, can I sign up for the Sabadell Online Account?
No, only new customers of the Online Account are allowed to open an online account. If you want to know the terms and conditions of your current account, you can contact us.
What fees apply to the Sabadell Online Account?
The Sabadell Online Account has no opening or maintenance fees, and you will be able to carry out your normal day-to-day transactions free of charge through digital channels and ATMs.
A transaction not marked as free may be subject to a fee, as explained in the pre-contractual documentation. For more information, see the “Fees information document”.
What is the current remuneration of the Sabadell Online Account?
The Sabadell Online Account gives a contractual return of the sum of the average monthly balances of the Sabadell Online Account and the Sabadell Savings Account of account holders linked to them at an NIR of 2.00% and an APR of 2.018% (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.
How does the credit for direct debiting the self-employment tax-RETA work?
It is exclusively for the Sabadell Self-Employed Online Account. A quarterly credit of €30 (maximum of €120 per annum) will be made for paying the instalment of the Special Scheme for Self-Employed Workers (hereinafter, RETA, in its Spanish initials) contribution by direct debit during this period. This also includes self-employed workers under the Special System for Self-Employed Farm Workers and self-employed workers under the Special Scheme for Seafarers. The payment is to be made no later than the 15th day (or the previous working day) following the end of the quarter in which the bills are debited.
How does the joint remuneration in the Sabadell Online Account work?
The sum of the average monthly balances of the Sabadell Online Account and the Sabadell Savings Account of the account holders linked to it is remunerated at a NIR of 2.00% and an APR 2.018% (up to the joint average balance threshold of €20,000). The interest is settled in consecutive monthly periods before the 15th (or the first prior working day) of the following calendar month. If when signing up for the account there is a promotion running that would affect the remuneration, its conditions will apply.
Can a self-employed person hold a Sabadell Individual Online Account?
Yes, self-employed Account Holders who sign up for a Sabadell Self-Employed Online Account may open a Sabadell Individual Online Account in their name and its linked debit card. To this end, the Bank will send the self-employed customer the contract in respect of the Sabadell Individual Online Account and the linked debit card contract through the digital documentation area of the Remote Banking service for the account holder to sign, if he or she so wishes.
How does the 3% cashback on bills work?
The cashback on bills is exclusively for the Sabadell Individual Online Account. An amount equivalent to 3% of the total amount debited from electricity and/or gas bills charged to the account will be returned to the account holder during each calendar quarter. Payment is to be made no later than the 15th (or the previous working day) of the calendar month at the end of the quarter in which the bills are debited.
What additional information is there about signing up for an account?
The Bank also makes the following documentation available to you at its branches and in the “Customer Information/Information on fees and interest” section of the Bank's website:
(i) Quarterly information on the fees and rates most commonly charged or offered for the most frequent transactions with the most common natural person customer profiles.
(ii) List of most representative services associated with a payment account.
(iii) Schedule of fees applicable to paid services.
If you need it, there is a free telephone number (900 700 010) you can call for answers to any questions or queries you may have.
What limitations apply to the Sabadell Online Account?
The Sabadell Online Account, if its holder(s) is/are private individual(s), will be limited to the private activity of the holder as a consumer.
The Sabadell Self-Employed Account, if its holder is self-employed, will be limited to professional activity, and allows a maximum of two holders.
If the primary account holder is self-employed, the account will automatically be for professional purposes. Otherwise, it will be for individual use.
This account does not allow the issuance of cheques or commercial paper.
The account for professional use excludes the granting of the Sabadell Credit Facility.
How can I open a Sabadell Online Account?
It's very easy. All you need is your mobile phone, a valid ID card (DNI/TIE with photo) and a good Internet connection. Enter the browser from your mobile phone, access the Banco Sabadell website and click on the Become a customer button. With this link, you can register your Sabadell Online Account completely online from your mobile phone.
If you are a citizen of the European Union without a TIE, you will need your passport and the European Union Citizen Registry Certificate to certify that you are a resident in Spain.
If you do not have any of the above documents, you can go to any Banco Sabadell branch where you will be informed of the available options to open an account.
Where can I register from?
By means of your mobile phone using the browser, if you are a private individual and are not self-employed, go to the URL https://www.bancsabadell.com/abrir-cuenta-online/ and if you are self-employed, go to the URL https://www.bancsabadell.com/cuenta-online-autonomos/ .
What products will I be able to open with the digital onboarding process?
In the registration process, you can open the Sabadell Online Account (includes the Sabadell Savings Account, whose purpose is savings and investment) and the Sabadell Online Securities Account.
To engage any other product not included in the Sabadell Online Account pack, you can go to any Banco Sabadell branch.
Can I open more than one Sabadell Online Account?
You are allowed a maximum of two Sabadell Online Accounts, one for private use and another as a self-employed person. They are called “Sabadell Individual Online Account”, and “Sabadell Self-Employed Online Account” respectively.
What information will the Bank give me to open a Sabadell Online Account?
During the online registration process, pre-contractual information is provided, which you can download and will also be sent to your e-mail address so that you can review it at your leisure. The pre-contractual information contains:
● Pre-contractual information in accordance with banking regulations.
● Information prospectus prior to entering into a Payment Services Framework Contract.
● “Fee information sheet” (only applies to the Sabadell Individual Online Account).
● Schedule of Fees and Charges applicable to transfers and cheques through the account.
I want to open an account with two holders. Can I do this online?
Yes, opening the Sabadell Online Account lets you have one or two account holders, provided neither of them is an existing customer of Banco Sabadell. The process is very simple and, what’s more, the two account holders don't need to register at the same time nor from the same device.
- One of the account holders starts the Online Account registration process and selects the option “two account holders”.
- When that account holder has completed the process, the second account holder will receive an e-mail to join the account and can then start their online registration process.
- When both account holders have completed the registration process, they can use the joint account.
Why do I have to specify an e-mail and a mobile phone number in the registration process of the Sabadell Online Account?
All communications and arrangements of your Sabadell Online Account will be carried out through digital channels, by e-mail, SMS or push notifications.
What documents do I need to present to open the Sabadell Online Account?
To open the Sabadell Online Account, you need to have a currently valid National Identity Card or TIE with a photograph, unless for legal reasons, the Bank needs to ask for other documents, as would be the case if the current address where you are resident does not match the one in the ID document. Citizens of the European Union who do not have a TIE will have to present their passport and certify their residence in Spain with the European Union Citizen Registry Certificate.
If you do not have any of the above documents, you can go to any Banco Sabadell branch.
What is my name and password to access my new Sabadell Online Account?
During the registration process for your Sabadell Online Account, you will be assigned a username, which will be the ID you used to register, and a password that you can change later from the app or the Banco Sabadell website, which you will use to access Remote Banking once your information has been validated.
How can I sign the contract for the Sabadell Online Account?
The contract is the last step in the registration process. Through a trusted electronic service provider, you will receive an SMS to the mobile phone you have registered with the password that you have to enter on the screens.
This third-party service provider will send you a certified copy of the contract.
By signing the Sabadell Online Account contract, am I then a customer of the Bank?
Signing the contract is not sufficient, as when you complete this step, it will be pending validation by the Bank. When it is validated, you will receive a notification that the registration has been successfully completed and the contract is valid.
How long will it take me to register as a new BS customer?
You only need a few minutes. The process is easy, secure and 100% online, which you will be able to complete in 6 simple steps: create a username, register your personal data, identify yourself by means of a video identification system, indicate your profession, confirm the card delivery address and sign the contract.
How long does it take to activate my Sabadell Online Account?
Approximately one hour after having finished the process you will receive an e-mail confirming your new account and you will be able to use the Sabadell Online Account via the Remote Banking service. What’s more, you can pay for your purchases on your mobile phone from day one if you add your cards to your e-wallet (Apple Pay, Samsung Pay or Google Pay).
Can I withdraw from the Sabadell Online Account contract once it has been signed?
Yes, you can withdraw and cancel the contract free of charge within 14 days of its taking effect without giving any reason and without a penalty. You have to give notice by the deadline indicated via the Bank's Remote Banking service, at its registered offices or corporate centres or branches or by calling the free phone number 900 700 010.
Why can't I upload my ID to continue with opening the account?
Make sure that they are not reflecting glare and that the image is not blurred.
Why does it say I cannot continue with the process when I try to send the video to identify myself?
Make sure you have a good Internet connection. We recommend connecting to a trusted Wi-Fi network to continue with the process.
Why am I not receiving SMS notifications when I sign the contract?
Wait a moment. Sometimes, the password to sign the contract can take a few minutes.
You can also perform the following checks in this order:
Check that you don't have our number blocked for telephone numbers in this country +34215675 or 215675. In the case of international phone numbers, check that receiving SMS from abroad is not blocked.
Also, check that the device is not in the “do not disturb” or similar mode.
If you have recently done a portability transaction, check with the carrier that the routing to receive SMSs from applications is configured correctly.
If you have a Multi-SIM, tell your carrier that you are not receiving SMS from applications on the SIM you have in your phone, and ask them to configure it so that messages reach you correctly.
If you have a dual SIM card, tell your carrier that you are not receiving SMS messages from apps at the telephone number registered in our systems.
If your carrier is a virtual one, let them know if there are problems in the delivery of SMSs with the network operator and check that there are no coverage issues.
If you are still not receiving them, try the following additional checks:
Check that there is sufficient space to receive SMSs and delete old ones.
Check that you have good coverage and you don't have roaming switched on, as the carriers themselves don't guarantee that SMSs will arrive in such circumstances.
There are devices that allow you to mark certain numbers or applications that block calls or SMS messages as undesirable if they are deemed to be advertising or insecure messages. If you have blocked our SMS messages, unblock them.
If the device has space for two SIM cards, try switching the SIM card to the other slot.
Try switching off the device, waiting for 30 seconds, then switching it on again.
Try removing the SIM from the device and putting it into another one.
If you have done all the checks and you still aren't receiving the SMS, contact us again via chat or the indicated telephone number.
Why has the online registration process for the Sabadell Online Account halted?
If during the procurement process for the Sabadell Online Account a message appears indicating that the online registration has been halted, we recommend that you try again after a few minutes and check that the information you provide is entered correctly. If the problem continues, we will be delighted to see you at the branch to help you activate your account with Banco Sabadell.
I have not received the password to validate my mobile phone number in the registration process for the Sabadell Online Account.
Make sure you have entered your mobile phone number correctly. Try again and wait a few minutes, as sometimes the message can take a while.
Can I switch my accounts from other institutions to the Sabadell Online Account?
You can only transfer your accounts to the Sabadell Individual Online account in your status as a consumer. Once the account is open and you have access to your Remote Banking, you can access the section for switching accounts, in the Accounts menu, where you will find the steps to follow, in accordance with the current relevant regulations, and the form to fill in and submit so that we can process the account switching to our bank. Find the answers to all your queries by clicking here.
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a Promotion valid for accounts opened between 04/12/2025 and 07/01/2026. 2.53% 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: 2.5% NIR per annum, 2.53% APR, €1,250.04 in interest settled during the year. Settlement is on a monthly basis and is credited to the Sabadell Online Account on the 15th of the following month (or the first working day before it). After the second year, the current profitability conditions of the account will apply. In addition, for personal account users, €400 extra for switching over one's salary with a minimum amount of €1,000 into the Sabadell Online Account and having Bizum linked to the same account. Incentive is subject to the current withholding tax. To be eligible for this incentive, Bizum and the salary payment must be maintained in the account for at least 12 months and on the day the incentive is paid. The incentive will be credited monthly (€33.34 gross/month, €400.08 gross/year) for 12 months. See the
1 Cashback of 3% of the amount of the bills in the name of the account holders charged to the account during each calendar quarter corresponding to electricity and/or gas suppliers. The payment is to be made quarterly, at the latest, on the 15th (or the previous working day) of the following calendar month at the end of the calendar quarter in which the bills are debited. In accordance with personal income tax regulations, the amount resulting from applying the 3% cashback of the bills is considered securities income subject to withholding tax at the currently applicable rate of 19%.