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The self-employed and business with Banco Sabadell

Open your online account for the self-employed

 Become a clientBecome a client
Exclusive for new customers!
Profitability 2.5% APR1 maximum balance €50,000.
What's more, we will give you back €120/year2 if you pay your self-employed social insurance contribution by direct debit.
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The power to choose is in your hands

 Choose the bank that manages 20% of the business’ POS terminals in the country.* I want to chooseI want to choose
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An expert manager for the self-employed and business will help you find the financial solutions you need.
Become a customer
We are specialists in supporting you with specific proposals according to your business industry.
Discover about our solutions
Choose from our Smart POS range which best suits your business or combine them any way you like.
Find out more
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For Self-Employed and Businesses

If your business does well, it does well for all of us.

 When contracting your the first POS before 31/03/2025 with the Sabadell Business Plus Account3 or Sabadell Online Self-Employed Acount4 and receive the following INDEFINITELY5:
  • Your account and POS terminal with no administration or maintenance fees, free standard online transfers in euros within the EEA and debit, Business credit and Cash In cards with no issuance or maintenance fees.
  • You can get extra €120 a year by having a turnover of €6,000/quarter with your POS terminal.
 Find out more
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Specialised solutions for your sector
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Bars and restaurants

Contract your POS terminal and enjoy the Sabadell Business Plus Account for free, with no administration fees or conditions. And we’ll give you up to €120 a year for a turnover of €6,000/quarter with your POS terminal. An exclusive offer for bars and restaurants.
Mix and match our different POS terminals depending on your needs.
 Find out moreFind out more

Merchants

Contract your POS terminal and get your Sabadell Business Account7 with no administration fees, complying with the conditions. We help you get them up and running and get the most out of their apps.
Check out our wide range of POS options and mix and match them according to your needs.
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Medical and aesthetic centers

A single bank account to manage your business, with no administration fees.
Discover our wide range of POS and combine them according to your needs.
 Find out moreFind out more

Pharmacy products

With you, every step of the way to buy your pharmacy: from the feasibility study, all the way through to handling the paperwork and signing the deeds.
Contract your POS terminal and get your Sabadell Business Account with no administration fees, complying with the conditions7.
And with FarmaRenting, you can revamp your pharmacy or expand your business.
 Find out moreFind out more

Management and advisory agencies and business services

Quickly and easily manage collections from your online banking and take advantage of exclusive conditions8.
Become a partner and recommend us: you’ll get lots of benefits and a special offer for your customers.
 Find out moreFind out more

Repairs

Enjoy the Sabadell Business Account with no administration fees, complying with the conditions7, to help you run your business.
Charge your customers anywhere, whether at their homes or wherever you’re building.
 Find out moreFind out more

Food and beverage

Contract your POS terminal and get your Sabadell Business Account with no maintenance fees, complying with the conditions7.
Choose between our different POS terminals depending on your needs.
If you sell online, get the Smart Phone&Sell POS terminal, without the need to have a website.
 Find out moreFind out more

Real estate agencies

Quickly and simply manage collections from your online banking.
Obtain the benefits of being a Sabadell Partner by recommending us to your customers.
Simplify managing and collecting property deposits with our wide range of POS terminals, with exclusive offers for your customers.
 Find out moreFind out more
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Are you self-employed? Would you sometimes like to be a little less so?

Sabadell Self-employed Online Account

  • ZERO fees - ZERO conditions
  • Earn up to €1,250 in the first year.

Profitability 2.5% APR.1 Maximum balance €50,000.
What's more, we will give you back €120/year2 if you pay your self-employed social insurance contribution by direct debit.

END OF PROMOTION! Only until 31/01/2025.

Exclusive for new customers.

 Become a client
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Are you self-employed? Would you sometimes like to be a little less so?

Sabadell Self-employed Online Account

  • ZERO fees - ZERO conditions
  • Earn up to €1,250 in the first year.

Profitability 2.5% APR.1 Maximum balance €50,000.
What's more, we will give you back €120/year2 if you pay your self-employed social insurance contribution by direct debit.

END OF PROMOTION! Only until 31/01/2025.

Exclusive for new customers.

 Become a client
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A bank account designed to manage your business
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We're a bank for the self-employed and businesses to help you on the road to growing your business with personalised solutions.
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Sabadell Self-employed Online Account

A zero-fee account with no strings attached.
Earn up to €1,250 in the first year.
Profitability 2.5 % APR1. Maximum balance €50,000.
And what's more, we will give you back €120/year2 if you pay your self-employed social insurance contribution by direct debit.

Only until 31/01/2025.
 Open your online accountOpen your online account
Find out more
Find out more

Sabadell Negocios Plus Account

If your business generates more consistent revenue, this is the account for you.
No requirements for 6 months3 when signing up for the account.
Free Debit and Platinum cards, with no issuing or maintenance fees.
 Apply for your accountApply for your account
Find out more
Find out more

Sabadell Negocios Account

Linked to a commission-free POS terminal.
With no need to make a deposit for the first 6 months9.
Free Business credit and debit cards, with no issuing or maintenance fees.
No administration fee plus the option of a partial or full refund on the maintenance fee.
Open account for companies
Open account for companies
Find out more
Find out more
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Combine them however you want

A range of new exclusive point of sale terminals
The Smart POS Terminal Range10 comprises the Smart POS, Smart Dual Screen POS and Smart Mini POS terminals. You can combine these three devices according to the needs of your business. They are all designed to connect to each other, so that you can view the transactions made from all POS terminals.
 Find out more
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Do you need financing for your day-to-day business expenses?

Finance your daily expenses quickly with no waiting. The Online Payment Line helps you with the most common needs of your business: paying suppliers, VAT, income tax, or corporate tax, among others.

 Find out more
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Figures that speak for themselves

Online banking for the self-employed at Banco Sabadell
Carry out your key transactions with complete security using your preferred channel.
Find out moreFind out more
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Do you have any questions? We're here to help you

Branches and ATMs

 Find a branch or request an appointment

Premium service
Exclusive telephone service for customers, attended by business specialists.
962 000 610 from Monday to Friday from 8 a.m. to 5 p.m.

Customer Service Dept
Log in to file an official claim

Helpdesk on X

Customer Service Department @Sabadell_Help
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Legal terms and conditions

* Data extracted from Sistemapay, System of cards and instalment Payment Methods, T2 2024.

1 No account management or maintenance fees. For accounts opened between 10/01/25 and 31/01/25, the 12-month profitability will be 2.53% APR up to an average combined balance of €50,000 between the Sabadell Self-employed Online Account and the Sabadell Savings Accounts of the account holders to be used as a personal account or business use (self-employed). Representative example of remuneration in one year calculated for a combined average monthly balance of €50,000: 2.5% NIR per annum, 2.53% APR, €1,250.04 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). View the promotion’s legal terms and conditions here.

After the second year, the current yield conditions of the account will apply.

2 Payment of €30/quarter for activating a Sabadell Self-employed 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 Return: 0% Nominal Interest Rate (NIR), 0% Annual Percentage Rate (APR). The conditions of the Sabadell Business Plus Account will apply if you meet the sole requirement of signing up for your first Dataphone POS terminal or Smart POS terminal Smart Mini POS, SoftPOS Mobile POS or SoftPOS Mobile POS terminal. Those customers who had a POS in a registered status on September 1, 2024 are excluded from the promotion.
The foregoing conditions of the Sabadell Business Plus Account will be maintained as long as the POS terminal term is used, which will be reviewed on a monthly basis. If this requirement is not met, the Sabadell Business Plus Account will then automatically only require a minimum monthly deposit of €3,000 (excluding deposits from accounts opened in the Banco Sabadell group in the name of the same account holder). This requirement must be met on a monthly basis, and if it is not met for two consecutive months, the Sabadell Business Plus Account will automatically become a Relación Account.

4 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 Self-Employed Acount and the Sabadell Savings Accounts 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 on a monthly basis and credited to the Sabadell Online Self-Employed Acount on the 15th day of the following month (or the first working day before it). If, at the time of signing the contract you are already benefiting from a promotional offer, the latter's terms and conditions will remain the same until it expires.

5 This promotion is valid for all customers with a Sabadell Negocios Plus Account or Sabadell Self-Employed Online Account who sign up for a Smart, Smart Mini, Smart Dual Screen, Soft POS Mobile POS or Dataphone POS terminal between 2 September and 31 March 2025 and who did not have a Banco Sabadell POS terminal before 1 September 2024. The promotion will consist of:
- €0 monthly maintenance fee on your first Smart POS, Smart Mini POS, Soft POS Mobile POS or Dataphone POS terminal.
- Sabadell Business Plus Account with no access requirements.
- Rebate of €30 gross quarterly if the account holder has a billing of a minimum of €6,000/quarter with any model of POS terminal contracted with the bank, up to a maximum rebate of €120 gross per annum.
The promotional payment will be paid quarterly, in a single payment for the total amount and with the description 'ABONO PROMO POS', into the account where the POS terminal of the promotion was contracted.
Payment shall be subject to compliance with the conditions set forth in these Legal Terms and Conditions and Banco Sabadell S.A will make the payment after verifying that the conditions set for each quarter have been met.
The payment will be made during the first 15 days of the month following the end of the calendar quarter.
The observation period of the POS terminal billing for the payment of the promotional discount will start from 1 October or from the date of contracting the new POS terminal if this is later. Therefore, the first quarter of observation shall be Q4 2024, with the first payment to be made during the first 15 days of January 2025.
The offer is also valid for the Dual Screen POS terminal, with the exception of the maintenance fee, which for this terminal will be €18/month with the Sabadell Business Plus Account or the Sabadell Self-Employed Online Account. 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.

6 The transaction fee of 0.25% will apply for all domestic personal cards, with a minimum of €0.02 per transaction. European 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. European business cards and non-European 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 Mastercard B2B cards under the GWTTP programme 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.

7 The maintenance fee for the first 6 months will be €0. From the seventh month, the maintenance fee of the Sabadell Business Account will be €100 per annum, which will be settled on a quarterly basis (€25 per quarter). Account profitability: 0% Nominal Interest Rate (NIR). Annual Percentage Rate (APR): -3.940%, example: if an average balance of €2,500 is maintained for one year. The maintenance fee is waived in full (return of the account of 0% NIR and 0% APR) if during the 5 | 15 CAD2024540184 settled period:
- The account holder has taken out one of the following insurance policies through the Bank, brokered by BanSabadell Mediación: Car Protection, Business Premises and Office Protection, Business Protection, Self-Employed Subsidy Protection, Life Protection, SME Life Protection, SME Health Protection, Civil Liability or Professional Civil Liability.
- Or, if in the last three months, the account holder has carried out at least 60 purchase transactions with the Point of Sale Terminal (POS) contracted with or through the Bank, or has billed at least €6,000 with the POS terminal contracted with or through the Bank.
Reimbursement of half the maintenance fee (account profitability: 0% NIR and - 1.9850% APR. Example: if an average balance of €2,500 is maintained for 1 year), if the following condition is met by the trade, business or company during the last three months: six direct debit entries for payroll, tax or social security payments have been paid from the account.

8 Exclusive conditions for businesses belonging to a group which has an agreement signed with Banco Sabadell. Ask your account manager which financial solution is offered for your group. Call +34 900 500 170.

9 The requirement established in the contract will not apply during the first 6 months of holding a Sabadell Negocios Account. From the seventh month onwards you’ll only need to have your salary or regular monthly income for a minimum amount of €700 deposited by direct debit, excluding income from accounts opened in the Banco Sabadell group in the name of the same account holder. If this requirement is not met in the second month, the Sabadell Business Account will automatically become a Relación Account.

10 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 in Banco de Sabadell, S.A.
Banco de Sabadell, S.A. will access the data related to the type of POS, its status and billing in its capacity as marketer of Paycomet, S.L.U.

11 Coverage subject to the terms, coverage, limitations and exclusions set out in the general, particular and, if applicable, special insurance conditions. Self-Employed Subsidy Protection is a commercial name of the product that DKV Seguros y Reaseguros, S.A.E. markets under the brand name DKV Renta, with its own specifications and technical notes of the same product that are available to the public at the insurer's registered offices and whose prior information document of the insurance product and its general conditions can be seen on DKV's website. With registered offices in Spain, WTCZ —Edificio DKV—, Avenida María Zambrano 31, 50018, Zaragoza, registered in the Mercantile Register of Zaragoza, in volume 1711, folio 214, page Z-15152, tax ID number A-50004209 and registered in the Administrative Register of Insurance Companies of the DGSyFP, with code C-0161. Insurance policy brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A. (“BanSabadell Mediación”) and marketed through the network of Banco de Sabadell S.A., entity with which it has signed a distribution network services contract. BanSabadell Mediación is domiciled at Avenida Oscar Esplá, 37, Alicante, Tax ID (NIF) A-03424223, and is registered in the Mercantile Registry of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP with code -0004, acting for DKV Seguros y Reaseguros, having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in effect at any given time. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion.

12 Coverage subject to the terms, coverage, limitations and exclusions set out in the general, particular and, if applicable, special insurance conditions. Self-Employed Health Protection is a product from the insurance companies Sanitas, S.A. de Seguros and BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros as co-insurers, each participating 50% in the co-insurance, with Sanitas being the lead insurer. Sanitas, S.A. de Seguros, Tax ID No. A28037042, registered offices at C/ Ribera del Loira, 52, 28042, Madrid, Spain, is registered in the Mercantile Registry of Madrid and the Insurance Companies Register of the General Directorate of Insurance and Pension Funds under code number C-320. BanSabadell 7 | 15 CAD2024540184 Seguros Generales, Sociedad Anónima de Seguros y Reaseguro with Tax ID no. A64194590 and its registered offices at C/ Isabel Colbrand, 22, 28050, Madrid, Spain, registered with the Mercantile Register of Madrid and the Insurance Companies Register of the General Directorate of Insurance and Pension Funds under code C-0767.
Insurance mediated by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A. (“BanSabadell Mediación”) and marketed through the network of Banco de Sabadell S.A., entity with which it has signed a distribution network services contract. BanSabadell Mediación is domiciled at Avda. Óscar Esplá, 37, 03007, Alicante, tax ID A03424223, registered with the Mercantile Registry of Alicante, and in the Administrative Register of the Directorate General for Insurance and Pension Funds of the DGSyFP under code no. OV-0004, acting for Sanitas, S.A. de Seguros, and carrying Civil Liability Insurance.
You can see the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion.
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Business Self-employed and Business