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.

Sabadell Online Account

The least ordinary
current account


With INDEFINITE PROFITABILITY, with no fixed term.

No fees.
No conditions.

Now

In the first three months,
a profitability of

6% NIR

and after, at the current rate
(2% NIR)

3% APR1

up to balance of
€20,000

Last days!
Only until 29/02/2024

Register and get your interest-bearing account

Register and get your interest-bearing account.

Exclusive for new customers!

Enjoy a Savings Account also free

When you register for your Sabadell Online Account, you will also get a free associated Savings Account completely free, with no administration or maintenance fees. So you can set aside, if you wish, an amount of money to save with simple savings routines you can activate from the app.

What’s more, the money you keep in this account also receives the same indefinite profitability 1, up to the maximum balance of €20,000 combined between the Sabadell Online Account and the Savings Account.

Savings Account App - Banco Sabadell

Open your Online Account in just ten minutes

1

Choose one or two holders.

Choose whether you want to open the account for yourself or share it with another holder.

2

Fill in your details.

Create your user name to manage your account securely.

3

Identify yourself.

Take a photo and record a short video from your mobile phone.

4

Online signature.

Sign your digital contract. Now you have your Sabadell Online Account!

If you cannot access using the QR code, copy the link to continue the registration process on your mobile: https://sab.to/cuenta-online

Scan it with your phone camera.

If you are a self-employed,
don't miss the special benefits for you

Know more

If you take your mobile with you, you take your bank with you

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 from the app.

Bank securely

Send and receive money with Bizum, manage your account and your purchases... And do everything securely.

What’s more, enjoy the following benefits

Cash withdrawals of free debit from a wide network of ATMs3

+ 1000 branches all over Spain

A manager when you need one

We answer your queries

You only need a few minutes. The process is easy, secure and 100% online, which you will be able to complete in 6 simple steps: create a user name, register your personal data, identify yourself by means of a video identification system, indicate your profession, confirm the card delivery address and sign the contract.

It's very easy, all you need is your mobile phone, a valid ID card (DNI/TIE with photo) and a good Internet connection. Enter the browser from your mobile phone, access the Banco Sabadell website and click on the green "Become a customer" button. With this link, you can register your Sabadell Online Account completely online from your mobile phone.

If you are a citizen of the European Union without a TIE, you will need your passport and the European Union Citizen Registry Certificate to certify that you are a resident in Spain.

If you do not have any of the above documents, you can go to any Banco Sabadell branch where you will be informed of the available options to open an account.

In the registration process, you can open the Sabadell Online Account, which includes the Sabadell Savings Account, whose purpose is savings and investment, and the Sabadell Online Securities Account.

To engage any other product not included in the Sabadell Online Account pack, you can go to any Banco Sabadell branch.

The Sabadell Online Account is an account with no opening or maintenance fees, 100% digital, with which you will be able to have a free debit and/or credit card with no issuance or maintenance fees and a bank transfers service in Spain and the EEA in euros issued through self-service, as well as access to online banking services. The second or subsequent debit cards per cardholder cost €30.

The second or subsequent credit cards per cardholder, for individuals and the self-employed alike, will be subject to payment of the issuance and maintenance commission established by the bank at any given time for the different types of credit card.

*The granting of any card depends on two factors: on the one hand, that the cardholder meets the Bank's risk criteria and on the other, that the Bank continues to market these cards.

The Sabadell Online Account is for personal or professional use and new Banco Sabadell customers can open it online. They must be of legal age, be tax residents in Spain, not be a Banco Sabadell customer, not hold US nationality and not have held a public office for the last 2 years.

If you are self-employed, by entering the CNAE of your activity, the account will be for professional use only.

It is important to remember that if the address for tax purposes that appears on your National Identity Card or TIE, does not match the one that you enter during the process of setting up a Sabadell Online Account, there are cases in which it will not be possible to complete the registration process due to legal or fiscal prevention criteria.

If your passport and residency certificate are your form of identification, you must enter the address that appears on the residency certificate.

If you do not have any of the above documents, you can go to any Banco Sabadell branch.

From your mobile phone, using the browser, by accessing the URL https://www.bancsabadell.com/cuenta-online/en/.

One hour after successfully completing the registration process, you will be able to access your new remote banking and start using your Sabadell Online Account. What's more, you will be able to pay for your purchases using your mobile from day one.

To open the Sabadell Online Account, you need to have a currently valid National Identity Card or TIE with a photograph, unless for legal reasons, the bank needs to ask for other documents, as would be the case if the current address where you are resident does not match the one in the ID document. Citizens of the European Union who do not have a TIE will have to present their passport and certify their residence in Spain with the European Union Citizen Registry Certificate.

If you do not have any of the above documents, you can go to any Banco Sabadell branch.

The Sabadell Online Account has no opening or maintenance fees, and you will be able to carry out your normal day-to-day transactions free of charge through digital channels and ATMs.

A transaction not marked as free may be subject to a fee, as explained in the pre-contractual documentation. For more information, see the Fees information document.

The Sabadell Online Account is for personal use in the case of individuals and for professional use or business activity in the case of the self-employed, and admits a maximum of two account holders.

If the first account holder is self-employed, the account will automatically be for professional purposes. Otherwise, it will be for individual use.

This account does not allow the issuance of cheques or commercial paper.

The account for professional use excludes the granting of the Sabadell Credit Facility.

No. Only new customers are allowed to open an online account. If you want to know the conditions of your current account, you can contact us.

Make sure that they are not reflecting glare and that the image is not blurred.

Make sure you have a good Internet connection. We recommend connecting to a trusted wi-fi network to continue with the process.

Wait a moment, sometimes the password to sign the contract can take a few minutes.

You can also perform the following checks in this order:

Check that you don't have our number blocked for telephone numbers in this country: +34215675 or 215675. In the case of international phone numbers, check that receiving SMS from abroad is not blocked.

Also, check that the device does not have the “do not disturb” or similar mode activated.

If you have recently done a portability transaction, check with the carrier that the routing to receive SMSs from applications is configured correctly.

If you have a Multi-SIM, tell your carrier that you are not receiving SMS from applications on the SIM you have in your phone, and ask them to configure it so that messages reach you correctly.

If you have a dual SIM card, tell your carrier that you are not receiving SMS messages from apps at the telephone number registered in our systems.

If your carrier is a virtual one, let them know if there are problems in the delivery of SMSs with the network operator and check that there are no coverage issues.

If you are still not receiving them, try the following additional checks:

Check that there is sufficient space to receive SMSs and delete old ones.

Check that you have a good signal and you don't have roaming switched on, as the carriers themselves don't guarantee that SMSs will arrive in such circumstances.

There are devices that allow you to mark certain numbers or applications that block calls or SMS messages as undesirable if they are deemed to be advertising or insecure messages. If you have blocked our SMS messages, unblock them.

If the device has space for two SIM cards, try switching the SIM card to the other slot.

Try switching off the device, waiting for 30 seconds, then switching it on again.

Try removing the SIM from the device and putting it into another one.

If you have done all the checks and you still aren't receiving the SMS, contact us again by chat or the indicated telephone number

All communications regarding your Sabadell Online Account will be done using digital channels: by e-mail, SMS or push notifications.

One hour after completing the registration process correctly, you will be able to access your new Remote Banking and start using your Sabadell Online Account. What's more, you will be able to pay for your purchases using your mobile from day one.

If during the procurement process of the Sabadell Online Account a message appears indicating that the online registration has been halted, we recommend that you try again after a few minutes and check that the information you provide has been entered correctly. If the problem continues, make an appointment with your account manager by clicking here. We will be delighted to see you at the branch to help you activate your account with Banco Sabadell.

Make sure you have entered your mobile phone number correctly. Try again and wait a few minutes, as sometimes the message can take a while.

During the registration process for your Sabadell Online Account, you will be assigned a user name, which will be the ID you used to register, and a password that you can change later from the app or the Banco Sabadell website, which you will use to access remote banking once your information has been validated.

No, you can only have one Sabadell Online Account.

During the online registration process, pre-contractual information is provided, which you can download and will also be sent to your e-mail address so that you can review it at your leisure. The pre-contractual information contains:

● Information document on fees.

● Information prospectus prior to entering into a Payment Services Framework Contract.

● Pre-contractual information in accordance with banking regulations.

● Schedule of Fees and Charges applicable to transfers and cheques via the account

The Bank also makes the following documentation available to you at its branches and in the 'Customer Information/Information on fees and interest' section of the Bank's website:

(i) Quarterly information on the fees and rates most commonly charged or offered for the most frequent transactions with the most common natural person customer profiles.

(ii) List of most representative services associated with a payment account.

(iii) Schedule of fees applicable to paid services.

If you need it, there is a free telephone number 900 700 010 where you can call to resolve any doubts or queries you may have.

The contract is the last step in the registration process. Through a trusted electronic service provider, you will receive an SMS to the mobile phone you have registered with the password that you have to enter on the screens.

This third-party service provider will send you a certified copy of the contract.

Signing the contract is not sufficient, as when you complete this step, it will be pending validation by the Bank. When it is validated, you will receive a notification that the registration has been successfully completed and the contract is valid.

Yes, you can withdraw and cancel the contract free of charge within 14 days of its taking effect without giving any reason and without a penalty. You have to give notice by the deadline indicated via the Bank's Remote Banking service, at our registered offices or corporate centres or branches or by calling the free phone number 900 700 010.

Yes, opening the Sabadell Online Account lets you have one or two account holders, provided neither of them is an existing customer of Banco Sabadell. The process is very simple and, what’s more, the two account holders don't need to register at the same time nor from the same device.

● One of the account holders has to start the online account registration process and select the option “two account holders”.

● When that account holder has completed the process, the second account holder will receive an e-mail to join the account and can then start their own online registration process.

● When both account holders have completed the registration process, they can use the joint account.

Once the account is open and you have access to your remote banking, you can access the section for switching accounts in the Accounts menu, where you will find the steps to follow, in accordance with the current relevant regulations, and the form to fill in and submit so that we can process the account switching to our bank. Find the answers to all your queries by clicking here

They can be electricity and/or gas bills. An amount equivalent to 3% of that debited from the bills charged to the account will be returned to the account holder during each calendar quarter. Payment is to be made no later than the 15th day (or the previous working day) of the calendar month at the end of the quarter in which the bills are debited.

The sum of the average monthly balances of the Sabadell Online Account and the Sabadell Savings Account of the account holders linked to it is remunerated at a NIR: 2.00% APR: 2.018% (up to the joint average balance limit of €20,000). The interest is settled in consecutive monthly periods before the 15th (or the first prior working day) of the following month.