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Expansión Account

The ideal account for young people aged between 18 and 29 and pensioners.

Risk indicator corresponding to the Expansión Account.
1/6
This number is indicative of the risk of the product, with 1/6 being the lowest risk and 6/6 the highest risk.
Banco de Sabadell, S.A. is a member of the Spanish Deposit Guarantee Fund for Credit Institutions. The maximum amount currently guaranteed by this fund is € 100,000 per depositor.
cuenta_expansion
With all these advantages:
Debit cash withdrawals.
Free cash withdrawals at an extensive ATM network.
Free debit and credit cards.
No maintenance or issuance fees.
No strings attached.
No need to directly deposit your payroll if you aged between 18 and 29.
No surprises.
If you are a pensioner,1 we advance the payment of your pension to the 25th of the month
This is my account
What do you need to open an Expansión Account?

Direct deposit of your payroll or regular monthly income of a minimum amount of €700 or direct deposit of a pension. If you are between 18 and 29 years old, you can have an Expansión Account without directly depositing your payroll or having a regular income.

Deposits from accounts open with the Banco Sabadell Group belonging to the same holder are excluded.
Conditions of the Expansión Account:
Maintenance and administration fee for the Expansión Account:

Maintenance Commission for the Expansión Account: €30/quarter. NIR yield 0%, APR: -4,714% APR, calculated for a case in which an average balance of €2,500 is constantly maintained for 1 year. Account administration or maintenance €0.80 per entry.
Refund of the administration and maintenance fees

These will be reimbursed if the account does not show any balance of under 0 euros at the end of the day during the settlement period, as follows: Maintenance fee: (€15/quarter). NIR yield 0%, APR -2,3785% APR, calculated for a case in which an average balance of €2,500 is constantly maintained for 1 year. Administration fee: €0 per entry.
If you do not qualify for access to the remuneration
Account yield: 0% APR, NIR calculated for a case in which an average balance of €3,000 is maintained continuously for 1 year, applying an interest rate of 0% and the annual account administration and maintenance fee of €0 a year.
 
Additional advantages

If you are between 18 and 29 years old, the maintenance fee will be 0 euros, if the account has a positive balance. NIR yield 0%, APR 0%.
If you directly deposit your pension 1, the maintenance fee will be 0 euros, if the account has a positive balance. NIR yield 0%, APR 0%.

Application to change direct payment of salary
If the account has a balance of less than €0 during the settlement period, the following maintenance and administration fees will apply:
• Maintenance Commission for the Expansión Account: €30 a quarter Yield: NIR 0%, APR: -4,714%, calculated for a case in which an average balance of €2,500 is continuously maintained for 1 year. The account is settled on a quarterly basis.
• Account administration fee: €0.80 per entry.
With the Expansión Account you also have:
No fees for transfers and negotiation and clearing of checks
No fees for non-immediate transfers in euros that you make online both domestic and EEA countries, (non-immediate) or for negotiating and clearing checks in euros domiciled in a Spanish financial credit institution.

Consult the informative document on fees
Withdraw free money at almost 3,000 Banco Sabadell ATMs around Spain
Using your debit card, whatever the amount you withdraw. Also free if you withdraw an amount equal to or greater than € 60 at Bankia ATMs and those of the main entities attached to the EURO 6000 network2.

You can get extra money of up to €5,0003
Because the Expansión Account includes an Expansión Line, which you can use totally or partially, immediately, without paperwork and without arrangement or study fees. You only have to activate it through our website or app.
Free credit and debit cards
No issue or maintenance fee.
The Expansión Account also gives you the Repsol Máxima Card with which you save 2% when you fill up at any Repsol, Campsa or Petronor petrol station.
Moreover, take advantage of these digital services for free:
Download our app
To see your accounts, send money, contract products ... And make your life easier.
Pay with your mobile using our cards
Whether you have iOS or Android, all the options are available
servicios_digitales





Offer valid from 24/01/2020 to 30/06/2021.
1. Social Security pension payment
2. Abanca, Ibercaja, KutxaBank, Unicaja, Liberbank, Caja Espanya-Duero, CajaSur, Caixa Ontinyent, Colonya Caixa Pollença.
3. Contracting Línea Expansión requires prior knowledge of the contractual conditions. You can see the general contractual conditions at bancoabadell.com/lineaexpansion. To activate your Línea Expansión, you and the other holders if it is a joint account, must expressly or tacitly accept the contractual conditions. The initial credit limit is common regardless of the number of holders of the Línea Expansión, is revised monthly, and may vary in accordance with the specific condition of the Línea Expansión, and may be drawn down jointly or severally. The monthly limit is between €2,000 and €5,000 and the period for returning the drawdown can be 3, 6, 9, 12, 18 and 24 months. NIR: 17.88% APR: 19.42%. Arrangement fee, 0.00% Assessment fee, 0.00% Early cancellation fee, 0.00%.

Example for a Línea Expansión of €2,000 to be returned in 12 months: 11 instalments of €183.25/month and a final instalment of €183.19. Total amount owed: €2,198.94. Interest Amount: €198.94. Total cost of credit: €198.94. APR: 19.42% Example for a Línea Expansión of €5,000 to be returned in 12 months: 11 instalments of €458.12/month and a final instalment of €458.04. Total amount owed: €5,497.36. Interest Amount: €497.36. Total cost of credit: €497.36. APR: 19.42%

The French depreciation system, which is characterized as a system of constant quotas, is used to calculate the instalments to be paid. Banco Sabadell reserves the right to not grant the loan if, during the validity period of this offer, any circumstance of the Holder(s) is known which might alter the arrangement criterion.