Sabadell Negocios Plus Account and Sabadell Negocios Account

Offer valid until 31/12/2023, exclusively for new Banco Sabadell customers that are self-employed workers, retailers and small businesses registered with the bank between 01/01/2023 and 31/12/2023.

1. The requirement established in the contract will not apply during the first 6 months of holding a Sabadell Negocios Account. From the seventh month onwards you’ll only need to have your salary or regular monthly income for a minimum amount of €700 deposited by direct debit, excluding income from accounts opened in the Banco Sabadell group in the name of the same account holder.

The account maintenance fee is €100 a year, which will be settled quarterly (€25/quarter). Profitability of the account: 0 % Nominal Interest Rate (NIR). Annual Percentage Rate (APR): -3.940 %, e.g., if an average balance of €2,500 is maintained for 1 year.
Reimbursement of the total amount of the maintenance fee (profitability on the account of 0 % NIR and 0 % APR ) if the account holder has taken out any of these insurance policies listed below through the bank and mediated by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., NIF A-03424223: Car Protection, Business Premises and Office Protection, Business Protection, Self-Employment Subsidy Protection, Life Protection, SME Life Protection, SME Health Protection, Civil Liability or Professional Liability.
Reimbursement of half the maintenance fee (profitability of the account: 0 % NIR and -1.9850 % APR, e.g., if an average balance of €2,500 is maintained for one year), if one of the following alternative conditions is met by the business over the last three months :
- Having carried out a minimum of 60 purchase transactions with the point of sale (POS) terminal contracted through the bank.
- Having billed a minimum of €6,000 with the POS contracted through the bank.
- Having 6 debit entries for payroll, tax or social security payments debited to the account.

2. The requirement established in the contract will not apply during the first 6 months of holding a Business Plus Sabadell Account. From the seventh 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 be converted into a Relationship Account. Income from accounts opened with the Banco Sabadell Group in the name of the same account holder are excluded. 

3. The granting, amount and term of each transaction requested will be determined by and subject to the Bank's risk criteria. The minimum amount of the Online Payments Facility will be €3,000 and the maximum amount will be €50,000. It will be available for 1 year, which can be extended up to a maximum of 5 years. For the Online Payments Facility: Interest rate: 0.00%. Drawdowns are interest-free and are repaid monthly. For the Online Payments facility: Interest rate: 0.00%. APR from 6.29% to 11.05%. Arrangement fee: 0%. Assessment Fee: 0%. Drawdowns are interest-free and are repaid monthly.
   Examples of calculation where the first drawdown is on 20/09/2023: APR 6.29% for a drawdown of €3,000 to be repaid in 1 month with a drawdown fee of 0.5% (no minimum), a single instalment of €3,000; total amount payable: €3,015, total cost of credit: €15. APR 9.53% for a drawdown of €3,000 to be repaid in 3 months with a drawdown fee of 1.5% (no minimum), three instalments of €1,000; total amount payable: €3,045, total cost of credit: €45. APR 11.05% for a drawdown of €3,000 to be repaid in 6 months with a drawdown fee of 3% (no minimum), six instalments of €500; total amount payable: €3,090, total cost of credit: €90.

4. During the first 6 months of contracting the POS, no operation commission or maintenance fee will be applicable. JCB, CUP, Diners/Discover and Mastercard B2B cards belonging to the GWTTP program are excluded from this promotion, as well as transactions made with Alipay or Bizum payment systems. Offer not applicable to virtual POS terminals or to commercial chains and businesses with a semi-annual turnover of more than 60,000 euros. From the seventh month or after billing has been exceeded, for all national and European private cards, the percentage of 0.40% will be applied with a minimum of €0.07 commission per operation. National company cards will have a commission of 0.80% with a minimum of €0.07 per operation. European business cards and cards from outside Europe (individual and business), JCB, CUP and Diners/Discover will have a commission of 1.80% + €0.39, with a minimum commission per transaction of 0. €46. Transactions made with American Express cards are excluded from these prices and have their own rates. Operations carried out through Bizum will have a commission of 0.40% with a minimum price of €0.15 per operation. Rate not applicable to virtual POS; consult their specific conditions. B2B MasterCard cards belonging to the GWTTP program have a transaction fee of 2.95%. During the first 6 months, the POS maintenance fee will be exempt. Starting from the seventh month, the POS maintenance fee to be applied will be 6 euros per month. Offer applicable for contracting a POS, either in its dataphone POS modality, or the Smart Phone&Sell POS. Consult conditions for additional POS terminals.

Flat rate for all types of businesses up to €240,000 in annual billing, except for Virtual POS which has specific rates depending on billing. Consult with your manager. Excess billing will be charged at 1.10%. It includes only 1 free POS per business. Additional POS terminals will have a maintenance fee of €3/month. Transactions made with American Express cards are excluded from these prices and have their own rates.