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Expansión Negocios Plus Account and Expansión Negocios Account

The Expansión Negocios Plus Account and the Expansión Negocios Account are designed to make self-employed workers, merchants and small companies big.


Enjoy all the advantages that come with the Expansión Negocios Plus Account.


Special POS terminal conditions

Choose the payment solution that best suits your business:

Option 1(1):

  • 0.40% commission per operation.
  • €0 maintenance fee.

Option 2:
Flat rate. You pay the same instalment each month, provided you do not exceed the established annual turnover.(2)


Free Kelvin Retail service

And with your Banc Sabadell POS terminal, you will receive regular updated information on the performance of your business, your customers and your sector, to assist your decision-making.

Advantages when taking out insurance(3)

Permanent 10% discount on the Companies Protection Premium.

0 fees  
  • For account administration and maintenance.
  • For domestic transfers and to EEA countries in euros via BS Online.
  • For negotiating and clearing cheques and promissory notes in euros domiciled at financial institutions in Spain..
  • Yield 0% TAE.
Free cards  
One debit card and one credit card free per holder or authorised party for the account, with no issue or maintenance fee.(5)
Guidance on eCommerce  
You will enjoy the support of eCommerce experts who will always offer you the most suitable solution for your business.
Preferential financing  
You will have preference for finding the financing your business needs and special conditions on lines of credit. In addition to access to the ICO facilities for companies and the self-employed.
BS Online and app Banco Sabadell free  
So you can easily carry out any operation or check your accounts, whenever and wherever you are.
Telephone legal assistance service and exclusive website portal free  
We offer you telephone legal assistance on any matter related to your professional activity, 24 hours a day, plus a portal where you will find offers for your business or your personal use, accessible via BS Online(5).
Lower cost for bill collection management (SEPA-CORE)  
For presenting bills, only €0.60 without VAT).
Free cash withdrawals at an extensive network of ATMs(6)  
For debit withdrawals of a sum equal to or greater than 60 €. At Banco Sabadell ATMs, debit withdrawals of any amount are free of charge.
Preferential financial offer for your employees  
We also offer you preferential, exclusive advantages for your employees. Ask your personal agent.



The excellent conditions described above for the Expansión Negocios Plus Account will be kept for as long as the only requirement is complied with, that of paying in at least 3000 euros a month (excluding deposits from accounts open at the Banco Sabadell held by the same person). If this requirement is not complied with for a second month, the Expansión Negocios Plus account will automatically become a Relación Account.

1. Fee per operation: for all national cards, as well as European private individuals' cards, a minimum fee of 0.07 euros per operation is charged. For cards from outside Europe, JCB, CUP and of European companies are excluded from the above rates, the fee being 1.80% + 0.39 euros, with a minimum fee per operation of 0.46 euros. Maintenance fee: exempt. for both the first PoS terminal and additional ones these are free. A monthly charge of 9 euros a month will be charged in the case of inoperative PoS terminals (under 20 operations per month or invoicing under 4000 euros per month).
The excess per turnover will be charged at 1.10%. The Flat Rate considers 1 PoS terminal free per business; if additional PoS terminals are requested a maintenance charge per PoS terminal of 3 euros per month per terminal will be charged. The Flat Rate cannot be offered for virtual PoS terminals.
4. Protección Empresas is the insurance known as Zurich Pymes, de Zurich Insurance plc, Sucursal en España, with tax no. W0072130H and address at calle Agustín de Foxá, 27, 28036 Madrid, registered in Madrid Companies Register and in the Administrative Register of Insurance Institutions of the DGSyFP with code E-0189. Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., NIF A-03424223, with registered address in avda. Óscar Esplá, 37, 03007 Alicante, registered in the Comp. Reg. of Alicante and in the Special Administrative Register of Insurance Brokers of the DGSyFP under code no. OV-0004, carrying civil liability insurance pursuant to the provisions of the law on the distribution of private insurance and reinsurance. You can verify the insurance companies with which BanSabadell Mediación has signed insurance agency contracts at web www.bancosabadell.com/bsmediacion.
4. Valid for one debit card and one credit card per holder in the case of natural persons and authorised party in the event of the holder being a legal entity.
5. CRISTALWARE CONSULTING SERVICES S.L.U. is the company in charge of telephone legal guidance and PEOPLE VALUE, S.L. is the company in charge of the discounts and benefits service. These services will be rendered in accordance with the conditions that these organisations have established at any time, with no intervention or liability whatsoever for Banco de Sabadell, S.A. The bank has no control over any incident and/or circumstance resulting from or connected with the provision of the services which are in any event subject to the agreements signed by the bank and the aforementioned companies remaining in force. The telephone legal guidance service will not cover any issues or possible incidents of the customer's business which may affect their relations with companies in the Banco Sabadell group, subsidiaries or investee companies.
6. At ATMs of the main institutions in the EURO 6000 system (Abanca, BMN, Ibercaja, KutxaBank, Unicaja, Liberbank, EspañaDuero, CajaSur, Caixa Ontinyent, Colonya Caixa Pollença), at Bankia ATMs and those of the Banco Sabadell group.

Offer valid 24/03/2019 to 30/09/2020.

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