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Expansión Negocios Plus Account

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):

  • 0.30% 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.

Discount of up to €20/month

If you direct debit both the issuance of salaries and social security payments and perform a minimum of 5 operations a month with any of your card-associated accounts, we give you a 1% discount up to a maximum of €20 gross/month.
The discount will be applied as from the third month following the opening of the account.(3)

Advantages when taking out insurance(4)

Permanent 20% 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 depositing cheques in euros domiciled with Spanish financial institutions.
  • Yield 0% TAE.
Free cards  
A debit card and a credit card free for each accountholder and authorised user of the account.(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(6).
Lower cost for bill collection management (SEPA-CORE)  
For presenting bills, only 0.90 €.
Free withdrawals at an extensive network of ATMs(7)  
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 conditions of the Expansión Negocios Plus Account mentioned above will be maintained as long as the only requisite is met, which is to deposit a minimum of 3,000 €/month (deposits from accounts open with the Banco Sabadell Group belonging to the same accountholder are excluded). If on the second month these conditions are not met, the Expansión Negocios Plus Account will be converted into a Relación account.

1. If the rate chosen is the Commission on sales ( discount rate ), a monthly fee of 9 € / month will be charged in the case of inoperative TPVs (less than 20 operations / month or turnover of less than 4,000 € / month). Both the first POS terminal and any additional terminals are free of charge. For all national cards, as well as European private ones, a minimum fee of 0.07 € per operation is charged. Cards from outside Europe, JCB, CUP and European companies are excluded from the above rates, the fee being 1.80 % + 0.39 €, with a minimum charge of 0.46 €. per operation.
2. Excess billing will be charged at 1.10%. It assumes a single free PST per merchant. Additional PSTs will have a maintenance fee of €3 a month. Offer for all types of merchants except the Virtual PST.
3. The first discount will be made during the fourth month as from opening the account and will be calculated based on the charges of the third month in respect of salary and social security. The next review/discount processes will be carried out monthly.
4. Company Protection is the insurance named Zurich SMEs, both from Zurich Insurance plc. Branch in Spain, holder of Tax ID. W0072130H and registered offices in calle Agustín de Foxá, 27, 28036 Madrid. Registered with the Companies Register of Madrid and the Registry of Insurance Companies of the DGSyFP under code E-0189. These policies are subject to the terms and conditions of the policy and are brokered by BanSabadell Mediación, Associated bank-insurance operator of the Grupo Banco Sabadell S.A., with tax I.D. A03424223 and registered office in Avda. Óscar Esplá, 37, 03007 Alicante. Registered in the Companies Register of Alicante and in the DGS and FP, with code OV-0004. It has civil liability insurance and financial capacity according to the Law on private insurance and reinsurance brokerage. You may consult the insurance entities with which BanSabadell Mediación has entered into insurance brokerage contracts at website www.bancosabadell.com/bsmediacion.
5. Valid for a debit card and credit card per holder in the case of natural persons and authorised persons if the holder is a legal person.
6. CRISTALWARE CONSULTING SERVICES S.L.U is the company responsible for the telephone legal guidance service and PEOPLE VALUE, S.L., is responsible for the discount and benefits service. These services will be rendered in accordance with the conditions these companies have established from time to time, without any intervention or liability on the part of Banco de Sabadell, S.A.. The Bank has no connection with any incident and/or circumstance arising from or related to the provision of the services which shall be subject at all times to the validity of the agreements signed between the Bank and said companies. The telephone legal guidance service shall not address matters or possible incidents of the customer’s activity which may affect their relations with companies belonging to the Banco Sabadell Group, affiliates or subsidiaries.
7. At ATMs of the chief banks in the EURO 6000 network (Abanca, BMN, Ibercaja, KutxaBank, Unicaja, Liberbank, Caja España-Duero, CajaSur, Caixa Ontinyent, Colonya Caixa Pollença), at Bankia ATMs and those of the Banco Sabadell Group.