Our commitments to self-employed workers
Summary risk indicator applicable to all accounts.
1/6
This number indicates the risk of the product, 1/6 being the lowest risk and 6/6 the highest.
Banco de Sabadell, S.A. is a member of the Spanish Deposit Guarantee Fund for Credit Institutions. The maximum amount guaranteed is €100,000 per depositor.
Self-employedSabadellOnlineAccount
0 FEES, 0 CONDITIONS
For opening your self-employed account and personal account, in one year you can earn up to
€920
2% APR1 with a maximum balance of €20,000 per account. Up to €800.
+€1202 per year for direct debiting your
self-employed social insurance.
€0
- €0 management and maintenance fee for the Self-employed Sabadell Online Account.
- €0 issuance and maintenance fee for debit and credit Business cards3 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 withdrawals4 at Banco Sabadell ATMs and branches.
Enjoy a return of 2% APR1 and get up to €800
(for a balance of up to a maximum of €20,000)
+€400
for opening your Online Account for the Self-employed.
+€400
extra if you activate another Online Account for your personal finances.
+ €120
- refunded every year for direct debiting your social security contributions for self-employed workers.2
A team of experts in self-employed work to assist you at our 1,000-plus branches or via our digital channels.
A personalised helpline to help you with your daily work.
Enjoy exclusive benefits when you sign up for your POS terminal5
A POS terminal offer tailored to the needs of your business.
If you sign up for your Smart POS, Smart Mini POS, SoftPOS Mobile POS, Smart Dual Screen POS or Dataphone POS terminal valid until 07/01/2026, we offer:
0.20%
per transaction.6
€0
maintenance fee
for 6 months.7
A specific offer designed for your sector of activity
Open your Self-employed Sabadell Online Account in just 10 minutes via your mobile
Why do you need your mobile?
For your security, in the account registration process, we need you to identify yourself virtually.
10
Scan the QR code with your mobile phone and access the process
Why do you need your mobile?
For your security, in the account registration process, we need you to identify yourself virtually.
21
Choose one or two account holders
Choose whether you want to open the account for yourself or share it with another holder. If you choose two account holders, an invitation will be sent to the second person to join the account. Once they have registered, the first account holder must accept the jointly held account arrangement via the app.
32
Fill in your details
Create your user name to manage your account securely.
43
Identify yourself
Take a photo of your ID and record a short video with your mobile phone.
Sign Online
Sign your digital contract. And you're done!
Do you want to open a personal Online Account too?
After you open your self-employed account, you’ll be able to activate another account for your personal finances on the app for the next 30 days.
Scan it with your mobile phone camera!
If you cannot access via QR code, copy or send the link to your mobile phone to follow the registration process:
https://sab.to/selfemployed
If you take your phone, you take your bank
Personalise your experience
Set up your cards and activate any notifications you want to keep on top of all your account activity.
Pay with your mobile
Forget your card, operate and withdraw money directly via the app.
Bank securely
Pay your business expenses securely with your Business card.
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.
Figures that speak for themselves
140 years alongside companies
2.500+ own ATMs
1.000+ branches throughout Spain
4,6/5 score on App Store
Conditions and representative examples
1. Sabadell Self-Employed Online Account: No account management or maintenance fees. Profitability that may change depending on market conditions. Now, a return of 2% APR per annum for an average joint balance of up to €20,000 of the Sabadell Online Account and the Sabadell Savings Accounts of the same account holders linked to it for individual or business purposes. 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 on a monthly basis and credited to the Sabadell Online Account on the 15th day of the following month (or the first working day before it).
Sabadell Online Account: No account management or maintenance fees. Profitability that may change depending on market conditions. Now, a return of 2% APR per annum for an average joint balance of up to €20,000 of the Sabadell Online Account. 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 on a monthly basis and credited to the Sabadell Online Account on the 15th day of the following month (or the first working day before it).
2. Payment of €30/quarter for registering 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.
3. The granting of the credit card is subject to the previous approval by Banco Sabadell, after carrying out the corresponding risk and viability study.
4. 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.
5. 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 Mercantile Register of Madrid, 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.
6. 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.
7. 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.