1. Return: 0% Nominal Interest Rate (NIR), 0% Annual Percentage Rate (APR). The terms and conditions of the Sabadell Negocios Plus Account will apply exclusively to new customers of Banco de Sabadell, S.A. who are self-employed, businesses, or SMEs identified with one of the NCAE codes set out in the Promotion Terms and Conditions, available at https://www.bancsabadell.com/bsnacional/en/legal-terms-and-conditions-for-campaigns-and-promotions/ and who activate the account between 1 April and 15 June 2025, both inclusive.
2. All the POS terminals are products of Paycomet, S.L.U., a company of the Banco Sabadell group. 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 safeguards the funds received by users by depositing them in a separate account opened with Banco de Sabadell, S.A.
3. Between 1 April and 15 June 2025 (both inclusive), self-employed customers, businesses, and SMEs in the Health and Wellness sector who contract a new POS terminal with a Flat Rate monthly fee for at least 12 months will be eligible for a promotion of 6 months free by waiving the monthly fee for the flat rate they must pay according to the selected tier based on their monthly billing (tiers included: from €1,000/month to €10,000/month). Any excess monthly turnover beyond the selected flat rate tier will be charged at a 1.10% discount rate on the amount of each transaction.
The promotion excludes customers who had a previously activated POS terminal. The promotion excludes Virtual POS, Smart Dual Screen POS, and Smart Phone&Sell POS terminals. Transactions conducted with American Express are excluded from these prices and will not count in the contracted Flat Rate billing tranches as American Express cards have their own rates. The beneficiary status will be lost in any of the following cases: (i) termination of the merchant or POS terminal; (ii) exceeding the 10% limit on the total monthly billing of international cards, (iii) changing the fee mode (lower flat rate tier or discount rate) within the first 12 months of the contract, or (iv) refund of any monthly fee. If the POS terminal is not maintained for 12 months with the flat rate fee from the contract period or higher, penalties will be applied corresponding to the contracted fee amount and the promotion period.
For more information, see the terms and conditions of this promotion at https://www.bancsabadell.com/bsnacional/en/legal-terms-and-conditions-for-campaigns-and-promotions/
4. Subject to the terms, conditions, coverages, insured amounts, restrictions, and exclusions established in the general and specific terms (where applicable) of the policy.
Promotion of the insurers BanSabadell Vida and BanSabadell Seguros Generales applicable to self-employed customers (individuals and adults) and businesses (legal entities), in both cases with tax residence in Spain, for new contracts entered into between 1 April 2025 and 15 June 2025, both inclusive, for any of the following insurance products: Life Care, Life Care Premium, Premium Accident, SME Life Protection (BanSabadell Vida products) or Shop and Office Protection (a BanSabadell Seguros Generales product). The closing date for the policy coming into force is 31 August 2025. The insurance must be taken out with annual, semi-annual or quarterly payment terms.
The insurance must be current and up to date with payment to be entitled to the incentive. Promotion applicable exclusively to the first year of the insurance policy. The incentive amount will be equivalent to the following:
- For contracts with annual payment: the amount equivalent to 25% of the total premium paid in the first bill will be paid.
- For contracts with semester payment: 50% of the total amount will be paid in the receipt of the first semester.
- For contracts with quarterly payment: the total amount paid in the first quarterly bill will be paid.
A one-time deposit will be made via bank transfer by the promoting entity, BanSabadell Vida and/or BanSabadell Seguros Generales, within a period between 60 and 90 days from the date of payment of the first receipt, into the account used for the payment of the new insurance product(s) contracted. Being paid the incentive is considered a capital gain for the taxpayer in the Personal Income Tax or a benefit in Corporate Income Tax for the policyholder, and is not subject to withholding.
Terms and conditions of this promotion available at https://www.bancsabadell.com/bsnacional/en/legal-terms-and-conditions-for-campaigns-and-promotions/ – Banco Sabadell Life Care, Life Care Premium, and SME Life Protection are life insurance policies, and Premium Accident is an accident insurance policy, all offered by BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered office at C/ Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Register of Madrid and the Insurance Companies Register of the DGSyFP under code no. C0557. Business Premises and Office Protection is an insurance policy of BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A64194590, with registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Insurance Companies Register of the DGSyFP under code no. C-0767.
Insurances 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., a company with which it has signed a distribution network services agreement. BanSabadell Mediación's registered address is Avenida Oscar Esplá, 37, 03007 Alicante, Tax ID A03424223, and is registered in the Mercantile Registry of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP under code no. OV-0004, acting for BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, and BanSabadell Seguros Generales, S.A. 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 effect at all times. You can check the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at the following website: www.bancsabadell.com/bsmediacion.
5. The granting, amount and term of each transaction requested will be determined by and subject to the Bank's risk criteria.
6. For detailed information on the offer, please contact Sabadell Consumer Finance S.A.U, a banking institution of the Banco Sabadell Group. Offer subject to the adherence to a collaboration agreement with Sabadell Consumer and the prior authorisation of the financing by the Bank.
The insurance is brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell S.A. ("BanSabadell Mediación") and marketed through the Banco de Sabadell S.A. network, a company with which it has a signed distribution network services agreement. BanSabadell Mediación is registered at Avenida Óscar Esplá, 37, Alicante, with Tax ID A034223, and is listed in the Mercantile Register of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP under code no. OV-0004. It acts on behalf of BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, BanSabadell Vida S.A., Sanitas Sociedad Anónima de Seguros, and DKV Seguros y Reaseguros S.A.E., and has taken out a civil liability insurance policy in accordance with applicable insurance distribution regulations.
You can check the insurance companies with which BanSabadell Mediación has signed an insurance agency contract on the website www.bancsabadell.com/bsmediacion.
7. InstantCredit is the digital consumer financing solution for goods and services offered by Sabadell Consumer Finance S.A.U. Sabadell Consumer is a credit institution belonging to the Banco Sabadell Group, with registered office at Pl. Catalunya, 1, 08201 Sabadell, Tax ID A63574719, registered in the Mercantile Registry of Barcelona, volume 42,960, folio 80, sheet B295423, entry 73. Offer subject to adherence to a collaboration agreement with Sabadell Consumer and prior approval of the financing by the institution.