Click enter
Suggestions
    RISK LEVEL
    1/6

    This number indicates the product risk, with 1 / 6 representing the lowest risk and 6 / 6 representing the highest risk.

    BBVA is affiliated with Spain's Deposit Guarantee Fund for Credit Institutions. The maximum amount guaranteed is €100,000 per person for the total of all deposits established at BBVA.

    Bienvenida Empresas Account

    The account that links your current and future business needs

    To get started with no fees or conditions
    • €0 Negocios Debit or Credit Account and Card.
    • €0 for transfers, checks and paychecks.
    • With a specialized adviser to guide you from day one.
    • Get back up to €720 gross in 6 months for direct debiting your taxes and/or social security.
    For new business customers that bill less than 5 million euros per year.

    Through 12/31/2024

    To save up to €720 gross over 6 months

    Activate direct debit of your taxes and/or social security payments, and we will refund the amount you pay up to a maximum of €120 gross per month when you open your Empresas Bienvenida Account.
    Become a BBVA customer
    How does the promotion work?
    The bonus will be considered as financial or similar income, subject to a withholding tax rate of 19% to be applied by BBVA, which will then pay the resulting net amount to the customer. If the maximum bonus is not achieved within a month, the remaining amount does not carry over or accumulate for future months. BBVA is not responsible for possible legal changes in tax matters.

    Create your business without worrying about paperwork

    Ensure that starting a business doesn't dampen your entrepreneurial spirit. Join BBVA and, in partnership with Ayuda T Pymes, we'll provide you with specialized advice at no cost to help you create your company. Plus, you can save up to €720 gross by direct debiting your taxes and/or social security contributions.

    Valid for new companies in incorporation until 12/31/2024

    I'm interested

    To guide you from day one.

    You will have a specialized adviser

    Whom you can trust to answer any questions, manage your daily business, or advise you on new opportunities for your company.

    Connect with your business wherever you are

    You can do all your banking quickly and easily whenever you need to through online banking and the BBVA Empresas app.

    So your business can continue to move forward

    Today and tomorrow, with no fees or conditions

    For online or ATM transfers in euros, Swedish kronor or Romanian LEU (rum) in the European Economic Area, Iceland, Liechtenstein or Norway. And for payroll issuance. This does not include those made on magnetic media, FMOs (Fund Movement Orders), same-day-value transfers and instant transfers.

    €0 Account

    No administration or maintenance fees. 0% NIR 0% APR, assuming a positive daily balance for one year.

    Cards

    Negocios credit or debit card with no fees, ready for any expenses you have.

    Checks

    For issuing checks or for settling and trading domestic check deposits in euros.

    To open your Bienvenida Empresas Account, you just need

    ID documents

    Of the representative living in Spain (DNI or NIE) and of the company (deeds, powers, etc.).

    Digital Certificate

    Have the Sole or Joint Administrator Certificate, or a certificate of representation of a legal entity, issued by the FNMT or by Izenpe, installed on this browser.

    AutoFirma Software

    Your computer must have the AutoFirma software installed and updated (version 1.7 or higher).
    Become a BBVA customer

    Private customer access password

    If you already have an account as a private customer, you can use your login credentials and forgo the digital certificate.

    ID documents

    Of the representative living in Spain (DNI or NIE) and of the company (deeds, powers, etc.).
    Open account

    Some questions that may come up

    The Empresas Bienvenida Account is an account with no account administration or maintenance fees. The settlement interval is monthly: from the 15th to the 15th.

    • 0% NIR 0% APR, assuming a positive daily balance for one year.
    • No administration fees.
    • €2 fee for the cash withdrawal service at the cash desk: for withdrawals of or below €2,000.

     

    Financing subject to prior analysis and approval by BBVA. This document does not constitute a binding offer or recommendation by BBVA for the contracting of the products and services described in it, nor does it replace or modify the pre-contractual and contractual documentation. BBVA may require additional securities as a requirement prior to these products being taken out.
    Bienvenida Empresas Account
    Become a BBVA customer