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Basic payment account

The holder must not have any other account with any other entity

Cuenta de pago básica

Only natural persons legally resident in the European Union may hold this Account, as well as persons who are asylum seekers or whose expulsion is not possible for legal or factual reasons and are obliged to use the Account and the services related to it exclusively for their own private activity, and under no circumstances for commercial, business, trade or profession purposes.

There is no obligation to purchase other products or services in order to contract a basic payment account.


Account Services


Through a basic payment account contracted with the Bank, Holders may only perform the following payment services and transactions.

  • Deposit and withdrawal of cash into the account.
  • EU transfers, including standing orders.
  • Direct debit of bills or direct debits (recurrent or not).
  • Issuing and maintaining a debit card. And the execution of payment transactions by card.
  • Online Banking: to manage your account and make payments online.

Remuneration and Rates for services


Profitability of the account: 0% NIR.
Fee for administration and maintenance of the account: 36 euros/year (9 euros/quarter).
The settlement of the account is made quarterly.
Some examples illustrating the Basic Pay Account: APR: -1.195%, calculated for a case in which an average balance of 3000 euros is kept constantly for 1 year. APR: -3.552%, calculated for a case in which an average balance of 1000 euros is kept constantly for 1 year.

To sign up for this account, the holder must sign the account contract in a branch of Banco Sabadell and declare that he or she does not hold another payment account in Spain.



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