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For new self-employed customers and companies with a turnover of less than 5 million euros/year, valid until 12/31/2024. An account with no maintenance or administration fees. 0 % NIR, 0 % APR. No fee for transfers in the European Economic Area, or for issuance of payroll, nor for national checks in transactions through online banking or BBVA ATMs. Maximum bonus €120 gross each month for 6 months (if one month the maximum bonus is not reached, the remaining amount does not carry over or accumulate for the following months). Withholding: 19%. BBVA is not responsible for possible legal changes in tax matters. See terms and conditions at bbva.es