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Banco Sabadell Basic Payment Account

A bank account

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If you do not have an account with another bank
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No strings attached 

Manage your money and perform basic banking transactions 

Withdraw money, make transfers and pay bills by direct debit with your Basic Payment Account. All from the bank's app, without any commitments or having to purchase any other product or service.
Open your basic payment account
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Debit cards

Enjoy a free debit card with your account 

Withdraw cash for free at our ATMs1 and pay without having to use physical cash with your free debit card, with no issuance or maintenance fees. 

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Who can open a Basic Payment Account?

For EU residents without an account with another institution 

Created for those who are legally resident in the EU, asylum seekers or whose expulsion is not possible for legal or de facto reasons and need a personal account to manage their money2.

Create your account

The keys to your Basic Payment Account
 

Free card
Pay for your purchases and withdraw cash with your debit card, without issuing or maintenance fees.
Set up direct debit bill payments
Pay your bills and debits automatically with your account, whether they are recurring or not.
Send money for free 
Make free online transfers in Spain and other EU countries, including standing orders.
Digital banking 
Make your banking transactions from the Banco Sabadell app or through the website.
Free card
Pay for your purchases and withdraw cash with your debit card, without issuing or maintenance fees.
Set up direct debit bill payments
Pay your bills and debits automatically with your account, whether they are recurring or not.
Send money for free 
Make free online transfers in Spain and other EU countries, including standing orders.
Digital banking 
Make your banking transactions from the Banco Sabadell app or through the website.
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Remuneration and service fees

Account administration and maintenance fee: 3 euros/month. The account is settled on a quarterly basis (9 euros/quarter). Representative examples of the Basic Payment Account APR: -1.195% NIR: 0%, calculated on the assumption that an average balance of 3,000 euros is maintained constantly for 1 year; APR: -3.552% NIR 0%, calculated on the assumption that an average balance of 1,000 euros is maintained constantly for 1 year. The APR will vary according to the average balance amount. Customers who are recognised as being in a situation of special vulnerability or at risk of financial exclusion may request free access to the basic payment account (0% APR) and to the services indicated. The condition must be met by all account holders, and they must provide the bank with all the documentation required to accredit such situation. Representative example in the case of customers with special vulnerability or risk of financial exclusion Example calculated for a case in which an average balance of 1,000 euros is maintained constantly for 1 year, applying an interest rate of 0% NIR, 0% APR and the administration and maintenance fee of 0 euros/year (0 euros/quarter). Consult the informative document on fees

 
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Your Basic Payment Account ready in just 3 steps

This account can only be opened at a branch. Please, fill in this form and we will be happy to help you.

After declaring that you do not have an account with another Spanish bank, you can formalise the contract at the branch of your choice. 

Once you have signed the contract, your new Basic Payment Account will be available for you to do your transactions.
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View information document on fees Information document on fees
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Would you like to find out about other Banco Sabadell bank accounts?

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Sabadell Online Account

Exclusive for our new customers
No conditions. No strings attached.
An interesting-bearing account with profitability with no fixed term. 
Free debit card and credit card, with no issuance or maintenance fees.
Open your online account Find out more here

Sabadell Account

A flexible option that adapts to your needs
No administration and maintenance commission for people under 30 (NIR 0% APR 0%).
Enjoy a debit card without any issuance or maintenance fees.
Use your cards and make transfers conveniently.
Create your account  Find out more

Key Account

The bank account for non-residents in Spain
Created especially for international clients.
Access to an exclusive translation service.
Cards with no issuance or maintenance fees.
Sign up for your account  Find out more

Sabadell First Account

For the youngest members of the household
Account with no administration or maintenance fees for minors (NIR 0% / APR 0%). 
Free online transfers within the European Economic Area, except for immediate transfers.
Debit card with no issuance or maintenance fees for people over the age of 14.
Open their first account  Learn more
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The advantages of digital banking with the best of an expert bank

Download the Banco Sabadell App

Manage your account
from your mobile
 

Withdraw money and pay for your purchases with your mobile phone, without the need for a physical card.
Send and receive money with Bizum, manage your accounts and much more.
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We answer your most frequently asked questions 

What is the remuneration and service fee for the Basic Payment Account?

Account administration and maintenance fee: €3/month. 
 
The account is settled on a quarterly basis (€9/quarter). 

Representative examples of the Basic Payment Account
APR: -1.195% NIR: 0%, calculated on the assumption that an average balance of €3,000 is maintained constantly for 1 year. APR: -3.552% APR, 0% NIR, calculated on the assumption that an average balance of €1,000 is maintained constantly for 1 year. The APR will vary according to the average balance amount.
Customers who are recognised as being in a particularly vulnerable situation or at risk of financial exclusion can apply for free access to the basic payment account (0% APR) and the services indicated. 
The condition must be met by all account holders and they must provide the institution with all the documentation required to prove this situation

Representative example in the case of customers with special vulnerability or at risk of financial exclusion. 
 
Example calculated for a scenario in which an average balance of €1,000 is maintained constantly for 1 year, applying an interest rate of 0% NIR, 0% APR and an administration and maintenance fee of €0/year (€0/quarter). 
 
View fee information document 

How can I open a Basic Payment Account?

To open this account, the interested party must formalise the corresponding opening contract at a branch of Banco Sabadell and declare that he/she does not have any other payment account with any other banking institution in Spain that would allow him/her to perform the services associated with this basic account. 
In order to open this account, persons legally resident in the EU, including those with no fixed abode, must provide their identification document (national identity card, passport or NIE). 

Asylum seekers must provide a document as proof of their status as an applicant in the process of international protection, also known as a red card, their passport, if they have one, or an identity document from their country of origin, as well as financial documentation on the source of the funds to be received (aid or benefits received from NGOs).
In addition, those persons who do not have a residence permit but whose expulsion is impossible for de jure or de facto reasons must provide documentation that allows them to prove this situation, such as the application for the granting of the right to asylum, by means of the proof of application stamped by the National Police attached to their passport, or the document issued by the National Police as an asylum seeker, or that they have obtained refugee status and therefore have an identity document, and financial documentation on the source of the funds to be received (aid or benefits received from NGOs).

How to file complaints or dispute resolutions?

If account holders wish to make a complaint or claim, they can contact the bank's Customer Care Service (SAC), either through its branches or via its email address (SAC@sabadellatlantico.com). The use of this media must comply with the provisions of Regulation (EU) No. 910/2014 of 23 July 2014 on electronic identification and trust services or with any subsequent regulations that may replace or implement it, and you should therefore file your claim in accordance with the provisions of the Regulations, which are available to you through the branches and the following Internet address: www.bancosabadell.com.

Cardholders may, in accordance with the provisions of the above-mentioned Regulations, submit any potential claims to the Bank’s Customer Ombudsman.
Complaints and claims expressly resolved by the SAC or Ombudsman, as well as those that are regarded as rejected (which are not ended by means of an express resolution, except in cases of acceptance, withdrawal, transaction or expiry of the claim), may be re-submitted to the claims services of the Bank of Spain, the National Securities Market Commission or the General Directorate of Insurance and Pension Funds, in accordance with the provisions of Law 44/2002 on Financial System Reform Measures, as well as its implementing regulations, or any which replace them. Claims submitted by users of the payment service in relation to the rights and obligations set out in items II and III of Royal Decree-Law on payment services shall be resolved in accordance with the deadlines and in the manner provided in said royal decree-law.
Consumer disputes in the financial sector shall be resolved by means of the alternative dispute resolution entity for the area of this activity, the creation of which is provided for in the first supplementary provision of Law 7/2017 of 2 November, incorporating Directive 2013/11/EU of the European Parliament and of the Council of 21 May 2013 on alternative dispute resolution in consumer matters, into Spanish legislation. Until the body provided for in said Law 7/2017 is created, the claims services regulated in article 30 of Law 44/2002 of 22 November on financial system reform measures shall adapt their transactions and procedure to the latter's provisions.

The Bank is not a member of the Consumer Arbitration Board.

What constitutes a vulnerable situation or a risk of financial exclusion?

A customer shall be considered to be in a situation of special vulnerability or at risk of financial exclusion when:

The gross income, calculated annually and per family unit, does not exceed the following thresholds:

  • Two times the multi-purpose public indicator of income (hereinafter, IPREM) for 12 payments, for persons who are not part of a family unit.
  • 2.5 times the IPREM for people in a family unit with less than 4 members.
  • Three times the IPREM for people in a family unit of four or more members or who have the status of large family.
  • Three times the IPREM in the case of family units who include a person with an officially recognised degree of disability equal to or greater than 33%.

There is no direct or indirect ownership, or any secured right over real property, excluding the main residence, or secured ownership of commercial companies, by any of the members of the family unit.

Unmarried partners shall have the same status as unmarried spouses who are not legally separated, if they have been formed in accordance with the requirements applicable to them.

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