Self-employedSabadellOnlineAccount
Open your account and sign up for your POS1 terminal to avail of an offer that’s more competitive than ever.
Are you self-employed? Then this is for you!
As a self-employed professional, you look for the best solution to manage your payments, and at Banco Sabadell we have what you need. Open your Self-Employed Sabadadell Online Account3 and choose from our range of Smart POS terminals, which can be tailored to any type of business. And if you want more information, you can also request the support of an expert account manager.
Enjoy exclusive benefits when you sign up for your POS terminal
Once you open your Self-Employed Sabadadell Online Account and request your POS terminal valid until 07/01/2026, you will get the following benefits:
Enjoy this promotion:
0.20%
per transaction.2
€0
maintenance fee for 6 months on your Smart POS, Smart Mini POS, SoftPOS Mobile, Smart Dual Screen POS or Dataphone POS terminal.4
Plus, to make your day-to-day life even easier:
24/7 support: Get help with any issues without having to go to the branch, over the phone and on WhatsApp.
Benefits of the Self-Employed Sabadadell Online Account
PROFITABILITY 2% APR
for a maximum balance of €20,0003
+ €120
per annum for paying your self-employed social insurance contribution by direct debit5
€0 administration and maintenance fee for the Self-Employed Sabadell Online Account.
€0 issue and maintenance fee for debit and credit Business cards6 for the main and joint holder of the account.
€0 in fees for online transfers in euros within the EEA, including instant transfers.
€0 for debit cash deposits and withdrawals7 at Banco Sabadell ATMs and branches.
What's more...
No requirements or time commitment.
You will have a manager who specialises in the self-employed to advise you.
Exclusively for new customers!
POS range
Choose the ideal one for your business
Our POS terminals are exclusive on the market.
Easy to use, with 24/7 technical support over the phone and WhatsApp.
Smart POS
Smart Dual Screen POS terminal
Smart Mini POS
SoftPOS Mobile POS
POS Dataphone
Open your Sabadell Online Account in just 10 minutes via your mobile
¿Por qué necesitas tu móvil?
Por tu seguridad, en el proceso de alta de la cuenta, necesitamos que te identifiques virtualmente.
Sign up and create your
Self-Employed Sabadadell Online Account
Just scan the QR code or follow the link to create your account. It only takes a few minutes to complete the process and confirm your identity.
Sign up for your POS terminal
One of our agents will contact you to set up the most suitable POS terminal for your business needs.
And that's it! There you go!
Once your application has been approved, you will receive your POS terminal at your business address within a few days.
If you cannot log in via the QR code, copy or send the link to your mobile phone to follow the registration process:
https://sab.to/3Xa4irV
We answer your questions
The Sabadell Online Account is made for the self-employed and offers multiple advantages:
- 0 account management or maintenance fees.
- €120 cashback every year for paying your self-employed social insurance contribution (RETA).
- 2% APR yield for a balance of up to a maximum of €20,000.
- You get free Business debit and credit cards (no issue or maintenance fees) for the main and joint holders.
- Free online transfers in euros within the European Economic Area, except for immediate transfers.
- Access to an expert manager for self-employed people who can assist you at branches or through digital channels.
If you set up the payment of the Special Scheme for Self-Employed Workers (RETA) to be direct debited from your Sabadell Online Account, we will pay €30 gross each quarter, which adds up to a total of €120 per year. This benefit also applies to self-employed workers in the Special Agricultural System and the Special Maritime Scheme.
The setting up process is 100% online and you will need to have a mobile phone with a camera. To open the account, you need to be of legal age, a new Banco Sabadell customer and a tax resident in Spain. During the process, an ID will be requested (DNI/TIE or NIE and passport) as well as the NCAE of your professional activity so that the account will be used for that purpose only.
Yes, the account comes with a Business debit card and a Business credit card with no issue or maintenance fees. With those cards you can pay your business expenses with complete peace of mind and make free debit cash withdrawals at all Banco Sabadell ATMs.
When you sign up for the Sabadell Self-Employed Online Account, you can enjoy exclusive POS advantages. We also have specific offers adapted to different sectors.
Yes, when you open the account you will have a team of experts in self-employment at your disposal, in our more than 1,000 branches or through digital channels. It also includes a personalised helpline to assist you with day-to-day management.
The Sabadell Self-Employed Online Account is exclusively for professional activity. However, as holder of this account, you have the advantage of being able to open a second Sabadell Online Account for your personal finances. The bank will provide the contract for the personal account and the associated debit card so that you can sign it at your leisure through remote banking.
The Sabadell Online Account offers a yield of 2%NIR per annum (2.018% APR). This yield is calculated on the average monthly balance held in the account, with a maximum balance limit of €20,000 to be remunerated. The interest earned is settled and credited to the account each month.
No. The Sabadell Self-Employed Online Account has no conditions of any kind. This means that there is no minimum balance or regular income or number of transactions required to maintain the account benefits, such as zero management or maintenance fees.
Yes, the account can be opened for a maximum of two account holders. The setting up process can be initiated for one or two account holders. When choosing the two account holders option, the first will complete their registration and the second will receive an e-mail invitation to join and complete their part of the process.
These are two different benefits for two different purposes:
- The payment of up to €120 per year for the RETA fee is an exclusive benefit of the Sabadell Self-Employed Online Account.
- The 3% refund on electricity and gas bills is an exclusive benefit of the Sabadell Personal Online Account. If, as a self-employed person, you open the account for personal use, you will be able to avail of this cashback.
The specific benefit of this account is the refund of €120 per annum when you pay your RETA contribution directly from the Sabadell Self-Employed Online Account.
Conditions and representative examples
1. All 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 Madrid Mercantile Register, Volume 40,715, Folio 165, Page M-722,484, holder of Tax ID No. B95842522. Paycomet retains the funds received from users via a deposit in a separate account open with Banco de Sabadell, S.A. Banco de Sabadell, S.A. will access the data related to the type of POS terminal, its status and billing in its capacity as marketer of Paycomet, S.L.U.
2. The transaction fee of 0.20% will apply for all domestic personal cards, with a minimum of €0.07 per transaction. EU personal cards 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. For B2B cards there is a transaction fee of 2.95%. Transactions made with American Express cards are excluded from this offer and are subject to specific fees. Specific prices will apply to virtual devices. For more information, call into your branch.
3. No account management or maintenance fees. Indefinite profitability that may change depending on market conditions. Now, a profitability of 2% APR per annum for an average joint balance of up to €20,000 of the Sabadell Online Account and the Sabadell Savings Account of the same account holders linked to it. Representative example of remuneration in one year calculated for a combined average monthly balance of €20,000: 2% NIR per annum, 2.018% APR, €400 in interest settled in the year. Settlement is paid on a monthly basis and is credited to the Sabadell Self-Employed Online Account on the 15th day of the following month (or the first working day before it).
4. For the first 6 months, there will be no maintenance fee with the Sabadell Online Account, Sabadell Negocios Account or Sabadell Negocios Plus Account, except for Virtual POS and Smart Phone&Sell POS terminals, which have no maintenance fee if you carry out 20 or more transactions per month or generate a monthly turnover of €4,000 or more (otherwise, a monthly maintenance fee of €9 will apply to both types). From the 7th month, the maintenance fee of the Smart Dual Screen POS terminal shall be €9 per month, for the Smart POS terminal it shall be €9 per month, for the Smart Mini POS terminal, €7 per month, for the Dataphone POS terminal, €6 per month and for the SoftPOS Mobile POS terminal, €2 per month. There will be a maintenance fee for additional POS terminals of €3 per month (includes Smart Dual Screen, Smart, Smart Mini and Dataphone POS terminals) and the fee for SoftPos Mobile POS terminals, at €2 per month. 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.
5. We will pay you €30/quarter for activating a Sabadell Online Account for business purposes and having your contributions as a self-employed worker paid by direct debit during that period (includes the self-employed under the Special System for Self-Employed Agrarian Workers and the self-employed under the Special Scheme for Sea Workers). The payment will be settled within the first 15 days following the end of the quarter and subject to the current tax legislation.
6. The granting of the credit card is subject to the bank's risk criteria and its approval, after the relevant risk and viability study has been carried out.
7. Withdraw cash by debiting from your balance free of charge at Banco Sabadell ATMs in Spain using your debit card, regardless of the amount. It is also free if you withdraw an amount equal to or greater than €60 at the ATMs of the main banks belonging to the EURO 6000 network: Abanca, Ibercaja, KutxaBank, Unicaja Bank, CajaSur, Caixa Ontinyent and Colonya Caixa Pollença.
Banco de Sabadell, S.A., Plaça de Sant Roc, 20, 08201 Sabadell (Barcelona), registered in the Barcelona Mercantile Register in Volume / I.R.U.S. [Unique Company Register Identifier]. 1000152932861, Folio 873, Sheet B-1561, Tax ID no. A08000143. Credit institution subject to the supervision of the Bank of Spain and registered in the Special Administrative Register under number 0081. If you have any questions, please contact us. Banco de Sabadell, S.A. 2025. All rights reserved.