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.

* 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 safeguards the funds received by users by depositing them in a separate account opened with Banco de Sabadell, S.A.

1 Return: 0% Nominal Interest Rate (NIR), 0% Annual Percentage Rate (APR). The terms and conditions of the Sabadell Negocios Plus Account will apply if you meet the sole requirement of signing up for your first Dataphone POS terminal, Smart POS terminal, Smart Mini POS terminal or the Soft Mobile POS terminal. Those customers who had a POS terminal in active status on 1 September 2024 are excluded from the promotion. The foregoing conditions of the Sabadell Negocios Plus Account will be maintained as long as the POS terminal 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 Negocios Plus Account will automatically become a Relación Account.

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 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.

4 Promotional offer valid for all customers who hold a Sabadell Negocios Plus Account or a Sabadell Online Self-Employed Account who sign up for a Smart POS terminal, Smart Mini POS terminal, Smart Dual Screen POS terminal, SoftPOS mobile terminal or Dataphone POS terminal between 2 September 2024 and 31 March 2025 and who did not have a Banco Sabadell POS terminal prior to 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 eligibility requirements.
- Bonus of €30 gross quarterly if the account holder bills a minimum of €6,000/quarter with any model of POS terminal contracted with the bank, up to a maximum bonus 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 observation 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 The return on the account is 0% APR, calculated based on a scenario in which an average balance of €2,500 is maintained constantly for 1 year, applying an NIR of 0% and the administration and maintenance fee of 0 euros per annum. The account is settled on a quarterly basis. In order to maintain the conditions, 10% of the company's annual operations, measured as its annual turnover, must be channelled through the account.

6 Includes transfers to the EEA in euro, Swedish krona and Romanian leu, via BS Online and Editran, commission-free during the first year from the opening date of the Sabadell Companies Account, with no limit on the number of transactions. Urgent transfers are charged a fee.

7 With the Sabadell Companies Account you can have up to three BS Card Mastercard Business debit cards and three Mastercard Gold or Mastercard Corporate Gold Representation credit cards per account without any issue or maintenance fees.

8 The conditions of the Sabadell Agricultural Business Account will be maintained as long as the requirements established in the agreement are met. Currently, you must at least meet one of the following requirements: a direct debit of social insurance contributions, a direct debit of taxes, a direct debit of wages and salaries or two direct debits of bills. These requirements must be met on a monthly basis; if by the third month these conditions have not been fulfilled, the Sabadell Negocio Agrario Account will be converted into a Relación Account.