The self-employed and business with Banco Sabadell

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

1 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.

2 The maintenance fee for the first 6 months will be €0. From the seventh month, the maintenance fee of the Sabadell Negocios Account is €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 1 year. The maintenance fee is fully waived (profitability of the account of 0% NIR and 0% APR) if during the 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 Income Support 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. Waiver of half the maintenance fee (profitability of the account of 0% NIR and -1.9850% APR: example if an average balance of €2,500 is maintained for one year) if, during the last three months, the following condition is fulfilled by the establishment: the account is debited six times to pay wages and salaries, taxes and/or social insurance contributions.

3 Return: 0% Nominal Interest Rate (NIR), 0% Annual Percentage Rate (APR). The terms and conditions of the Sabadell Negocios Plus Account will be maintained for as long as the single requirement of depositing a minimum of 3,000 euros per month is met (excluding income from accounts opened with the Banco Sabadell group in the name of the same holder). If that requirement is not met by the second month, the Sabadell Negocios Plus Account will automatically become a Relación Account.

4 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.

5 InstantCredit is the digital consumer finance solution for goods and services offered by Sabadell Consumer Finance, S.A.U. Sabadell Consumer is a credit institution belonging to the Banco Sabadell Group, with registered office in Pl. Catalunya, 1, 08201, Sabadell, tax ID A63574719, registered in the Mercantile Registry of Barcelona, volume 42,960, folio 80, page B295423, entry 73. Offer subject to the adherence to a collaboration agreement with Sabadell Consumer and the prior authorisation of the financing by the Bank. Digital solution available in the Smart POS and Smart Mini POS terminals. Not available in Smart POS Dual Screen terminals.

6 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 in the account, excluding income from accounts opened in the Banco Sabadell group in the name of the same account holder. If the requirement of a regular monthly income of €700 in the first two months is not met before the quarterly settlement, the Sabadell Negocios Account will automatically become a Relación Account.

7 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.

8 The granting, amount and term of each transaction requested will be determined by and subject to the Bank's risk criteria.

9 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.

10 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.

a No account management or maintenance fees. Pprofitability 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).

b 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.