Banco Sabadell Business
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Impact of the new tariff policies
Become a customer* and enjoy the following exclusive benefits
- Enjoy your Sabadell Negocios AccountI or Negocios Plus AccountII with no requirements or fees in the first year.
- Your POS terminalIII at 0.20%IV per transaction and 6 months with no maintenance feesV.
- Includes Business debit and credit cards and instant transfers, with no issuance or maintenance fees.
Doing business responsibly: drive your company with the planet in mind
You are an expert in your business and we are experts in supporting and advising you
Are you self-employed? Would you sometimes like to be a little less so?
Sabadell Self-employed Online Account
- ZERO fees - ZERO conditions
- 2 % APRa return for a balance of up to a maximum of €20,000.
- We give you back €120 every yearb for paying your self-employed social insurance contributions by direct debit.
Exclusive for new customers.
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Remote Banking
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Branches and ATMs
Premium service
962 000 610 from Monday to Thursday from 8 a.m. to 5 p.m. and Friday from 8 a.m. to 3 p.m.
Customer Service Dept
Helpdesk on X
Customer Service Department
Legal terms and conditions
* Offer valid until 07/01/2026, exclusively for new self-employed customers, businesses and companies that sign up with the bank between 01/10/2025 and 07/01/2026.
I. During the first 12 months holding the Sabadell Negocios Account, the requirement established in the contract will not apply. 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 €100 per annum, which will be settled on a quarterly basis (€25 per quarter). Account profitability: 0% Nominal Interest Rate (NIR). Annual Percentage Rate (APR): -3.940%, example: if an average balance of €2,500 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.
- 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 -1.9850% APR: example if an average balance of €2,500 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. 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. 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.
V. For the first 6 months, there will be no maintenance fee for the POS terminal with the Sabadell Online Account, Sabadell Negocios Account or Sabadell Negocios Plus Account, except for Virtual POS and Smartphone & Sell POS terminals, which have no maintenance fee if you carry out 20 or more transactions per month or generate monthly billing totalling €4,000 or more (otherwise, a monthly €9 maintenance fee will apply to both types). From the 7th month, the maintenance fee of the Smart Dual Screen POS terminal shall be €9 per month, for the Smart POS terminal it shall be €9 per month, for the Smart Mini POS terminal, €7 per month, for the Dataphone POS terminal, €6 per month and for the SoftPOS Mobile POS terminal, €2 per month. There will be a maintenance fee for additional POS terminals of €3 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. 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.
a No account management or maintenance fees. Pprofitability that may change depending on market conditions. Now, a profitability of 2% APR per annum for an average joint balance of up to €20,000 of the Sabadell Online Self-Employed Acount and the Sabadell Savings Accounts of the same account holders linked to it. Representative example of remuneration in one year calculated for a combined average monthly balance of €20,000: 2% NIR per annum, 2.018% APR, €400 in interest settled in the year. Settlement on a monthly basis and credited to the Sabadell Online Self-Employed Acount on the 15th day of the following month (or the first working day before it).
b Payment of €30/quarter for activating a Sabadell Self-employed Online Account for business purposes and having your contributions as a self-employed worker paid by direct debit during that period (includes the self-employed under the Special System for Self-Employed Agrarian Workers and the self-employed under the Special Scheme for Sea Workers). The payment will be settled within the first 15 days following the end of the quarter and subject to the current tax legislation.