Companies and self-employed
Your business is our commitment
An account manager by your side, tailored solutions and the support you need to make the best decisions every step of the way.Companies and self-employed
Your business is our commitment
An account manager by your side, tailored solutions and the support you need to make the best decisions every step of the way.Building a business:
Working and working
to make them grow.
If you're self-employed, get your online account with no fees or conditions
Building a business:
Working and working
to make them grow.
If you're self-employed, get your online account with no fees or conditions
Open your
online account
online account
Open your
online account
online account
Products designed to make things easier for you and help your business grow
For businesses and the self-employed
Start your business with exclusive benefits*
Sabadell Negocios AccountI or Negocios Plus AccountII with no fees in the first year.
POS terminalIII at 0.20%IV per transaction and no maintenance feeV .
Business cardsVI, with no issuance or maintenance fees, if you use them.
POS terminalIII at 0.20%IV per transaction and no maintenance feeV .
Business cardsVI, with no issuance or maintenance fees, if you use them.
Promotion valid until 08/01/2027
For businesses and the self-employed
Start your business with exclusive benefits*
Sabadell Negocios AccountI or Negocios Plus AccountII with no fees in the first year.
POS terminalIII at 0.20%IV per transaction and no maintenance feeV .
Business cardsVI, with no issuance or maintenance fees, if you use them.
POS terminalIII at 0.20%IV per transaction and no maintenance feeV .
Business cardsVI, with no issuance or maintenance fees, if you use them.
Promotion valid until 08/01/2027
What do you need?
Find specific solutions for...
Managing your daily operations with solutions designed to drive your company and make decisions with the confidence of a bank you can rely on that understands your challenges.
For freelance professionals and companies with a turnover of up to €2M. Organitza els cobraments, els pagaments i les gestions amb solutions tailored to your daily routine so you can devote more time to growing your business.
Boost the growth of your startup. Access financing, specialised support and solutions tailored to the needs of each of its stages.
Or avail of solutions according to your professional activity
So that your company keeps forging ahead, this is something you’ll find of interest
Discover the Sabadell Company Account:
The account for companies that want to take a step further
Transfers in Spain and within the EEA free2 for the first year.
Business cardsVI, with no issuance or maintenance fees, if you use them.
Finance your company's sustainability
Drive projects to invest in efficiency, innovation and the transformation of your company.
Protection for your employees3
Look after your staff with protection solutions that deliver peace of mind and value to your company.
Globalise your company
Operate securely in global markets: payments, collections, currencies and advice to boost your expansion.
If you're self-employed or a business, make your daily activity easier
Discover the Sabadell Self-Employed Online Account:
Being self-employed has never been so profitable.
Earn up to €5.840 in your first year by opening a self-employed and a personal account with 2,75 % APRa on balances up to €100.000.
We'll give you back 400€ the first yearb for paying your self-employed social insurance contribution by direct debit.
Exclusively for new customers - Until 12/11/2026
I’m looking for a POS terminal
Collect payments easily and securely, with competitive terms and conditions that suit your business.
I need financing
Obtain agile financing to boost your activity or meet occasional needs.
I want a renting facility
Equip your business without major investments, with flexible renting solutions4.
Do you have a startup?
We boost innovative startups, scaleups and investors with specialised custom financial services to suit each growth phase so that you develop your project with no limits, regardless of its size.
Figures that speak for themselves
Do you have any questions?
We're here to help you
Branches and ATMs
Premium service
Exclusive telephone service for customers, attended by business specialists.
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.
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
Log in to file an official claim
Helpdesk on X
Customer Service Department
Legal terms and conditions
I. During the first 12 months holding the Sabadell Negocios Account, the requirement established in the contract will not apply (0% APR, 0% NIR). 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 €140 per annum, which will be settled on a quarterly basis (€35 per quarter). Account profitability: 0% Nominal Interest Rate (NIR). Annual Percentage Rate (APR): –2.771%, example: if an average balance of €5,000 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.
II. The requirement established in the contract will not apply for the first 12 months of contracting the Sabadell Negocios Plus Account (0% APR, 0% NIR). From the 13th month, there must be a minimum deposit of €3,000 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. For the first 6 months, there will be no POS terminal maintenance fee with the Sabadell Negocios Plus Account and Sabadell Negocios Plus Account, and the exemption will continue to apply from the seventh month if you carry out 20 or more transactions per month or generate a monthly billing of €4,000 or more. Otherwise, from the 7th month onwards, the maintenance fee for the Smart Dual Screen POS terminal shall be €9 per month, the Smart POS terminal shall be €9 per month, the Smart Phone & Sell POS shall be €9 per month, the Smart Mini POS shall be €7 per month, the Dataphone POS terminal shall be €6 per month and the SoftPOS Mobile POS terminal shall be €2 per month. There will be a maintenance fee for additional POS terminals of €5 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. The Virtual POS terminal is excluded from the promotion, which has no maintenance fee if you perform 20 or more transactions per month or if you have a turnover equal to or greater than €4,000 per month (otherwise, a monthly maintenance fee of €9 shall be charged). 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.
V. 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.
VI. Business Debit and Business Credit cards are free for the first year (no issue fee). The maintenance fee for the cards is €30/year for the Business Debit card and €40/year for the Business Credit card. As and from 6 November 2026, for customers holding a Sabadell Negocios, Sabadell Negocios Plus and/or Sabadell Empresas account, the annual maintenance fee for Business Credit and Debit cards will be automatically waived provided that the card has been used in at least one valid purchase; any transaction for the purchase of goods or services carried out with the participating card is deemed valid if made in the 12 months prior to the settlement date of said fee. This exemption will be applied in the same way in successive annual payments and will be applied in general, unless the customer has contracted or activated accessory services linked to the company card that are incompatible with said exemption.
The granting of the credit card and its credit limit are subject to meeting the bank's risk criteria and to approval following the relevant risk and viability assessment.
1. The return on the account is 0% APR, calculated based on a scenario in which an average balance of €2,500 is maintained constantly for 1 year, applying an NIR of 0% and the administration and maintenance fee of €0 per annum. The account is settled on a quarterly basis. In order to maintain the conditions, 10% of the company's annual operations, measured as its annual turnover, must be channelled through the account.
2. Includes transfers to the EEA in euro, Swedish krona and Romanian leu, via BS Online and Editran, commission-free during the first year from the opening date of the Sabadell Corporate Account, with no limit on the number of transactions. Urgent transfers are charged a fee.
3. SME Life Protection is a life insurance policy of BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Register of Madrid and the Register of Insurance Companies of the DGSyFP under code no. C-0557.
Insurance policy brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A. (‘BanSabadell Mediación’) and marketed through the network of Banco de Sabadell, S.A., an entity with which it has signed a distribution network services provision agreement. BanSabadell Mediación's registered address is Avenida Oscar Esplá, 37, 03007 Alicante, Tax ID A03424223, and it is registered in the Mercantile Registry of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP with code no. OV-0004, acting for BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in force at any given time.
You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at the website
4. Banco Sabadell, S.A. serves as the marketer of the renting service offered by Soluciones de Renting y Movilidad, S.L.U. (CIF B60854932, Ctra. Pozuelo, num. 32, 28220, Majadahonda), which is the company that will formalise and manage the contract.
a. Sabadell Self-Employed Online Account: No account management or maintenance fees. Promotion valid for accounts opened between 08/10/2026 and 12/11/2026. 2.75% APR will be paid on an average combined balance of up to €100,000 of the Sabadell Self-employed Online Account and the Sabadell Savings Accounts of the account holders linked to it for personal or business purposes. Representative example of total remuneration in one year and in the event of hiring on 31/10/2026 calculated for a joint average monthly balance of €100,000: 2.7201% NIR per annum, 2.7543% APR, €2,720.09 in interest settled during the year. Settlement is paid on a monthly basis and is credited to the Sabadell Online Account on the 15th of the following month (or the first working day before it). Each settlement period comprises one calendar month, except for the initial period, which is from the account opening to the end of the month. After the second year, the current profitability conditions of the account will apply.
Sabadell Online Account: No account management or maintenance fees. Promotion valid for accounts opened between 08/10/2026 and 12/11/2026. 2.75% APR will be paid on up to €100,000 average combined balance of the Sabadell Online Account and the Sabadell Savings Accounts of the account holders linked to it for personal purposes.Representative example of total remuneration in one year and in the event of hiring on 31/10/2026 calculated for a joint average monthly balance of €100,000: 2.7201% NIR per annum, 2.7543% APR, €2,720.09 in interest settled during the year. Settlement is paid on a monthly basis and is credited to the Sabadell Online Account on the 15th of the following month (or the first working day before it). Each settlement period comprises one calendar month, except for the initial period, which is from the account opening to the end of the month. After the second year, the current profitability conditions of the account will apply.
View the promotion’s legal terms and conditions
b. Promotion valid for new direct debits of the self-employed social insurance contribution (RETA) received in the Sabadell Self-Employed Online Account for business purposes within two months of opening the account during the promotional period. This also includes self-employed workers under the Special System for Self-Employed Farm Workers (SETA) and self-employed workers under the Special Scheme for Seafarers (RETM). This incentive is subject to the current withholding tax. To be eligible for this incentive, the self-employed social insurance contribution must be debited to the account for 12 consecutive months and on the day on which the incentive is credited. The incentive shall be credited monthly (€33.34 gross/month; €400.08 gross/year) for 12 months.