Sabadell Account
Manage your day-to-day money with a flexible account that adapts to you.
Risk indicator applicable to all accounts
This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.
Banco de Sabadell, SA is a member of the Spanish Deposit Guarantee Fund for Credit Institutions. The maximum amount currently guaranteed by this fund is € 100,000 per depositor.
A flexible bank account that adapts to your needs, without conditions
Without having to domiciliate your salary
Tailored to you Your Sabadell Account, to manage your money daily
An account without conditions, because it does not require you to have your salary paid in by direct debit or regular income to open it. The maintenance fee is set according to the relationship1 you have with Banco Sabadell, and can go from €60/quarter down to €0.
Enjoy your credit* and debit cards at no cost or risk
No issue or maintenance fees. Choose how you want to pay, by credit or debit, with total peace of mind thanks to the travel accident insurance on public transport up to €120,000.
Reach your goals through your own savings plan. It’s as simple as that.
With your Sabadell Account you have at your disposal the associated2 Sabadell Savings Account. Save at the pace that works best for you and adjust it whenever you want, quickly and easily, from the app.
View the fees that apply to the most frequently used services of the account
We provide you with the Fees Information Document which shows the fees payable for the most frequently used services of the Sabadell Account. It will help you to compare the Sabadell Account with other payment accounts.
The keys to your new Sabadell Account
Free cards
Debit and credit* cards with no issue or maintenance fees. Use them immediately from the app.
Withdraw money
Free debit cash withdrawals at any of our more than 2,500 ATMs3.
Transfers
No administration fees per entry, nor for online transfers within the European Economic Area, except for immediate transfers.
Profitability
0% NIR. 0% APR varies depending on the maintenance fee applied, ranging from 0.0% to -9.260%1.
Have extra money whenever you need it
With your Sabadell Account you can also use the Sabadell Credit Line4. Just activate it from the website or the app to enjoy instant cash.
Your Sabadell Account ready in in just 3 steps
11. Request your account
Fill in this form with your details and request your new Sabadell Account, flexible and tailored to your needs.
2. Get to know your account manager
An account manager will help you open your personalised account. Remember that the maintenance fee is set according to your loyalty (from €60/quarter to €0/quarter).
3. Enjoy your account
When you sign the contract, your account will be 100% available for you to use. Download the app and take advantage of all its benefits.
How the Sabadell Account maintenance fee works
The maintenance fee can go from € 240/year (€ 60/quarter) to be reduced to € 0 depending on the connection you have.
We detail here how you can reduce it
Your fee will be €0 if you...
Meet one of the following requirements:
- You are between 18 and 29 years old.
- You have contracted with Banco Sabadell or you have been sold through it one of these three options:
- A mortgage, a personal loan or credit or a renting contract and, in addition, a free or combined insurance policy.
- 3 insurance plans.
- You are the holder of a mutual fund or an individual pension plan or an individual insured or social security plan, with an average monthly balance of more than €25,000.
Your fee will be €10 per quarter if you...
Meet one of the following requirements:
- You have 2 insurance policies.
- You are the holder of a mutual fund or an individual pension plan or an individual insured or social security plan, with an average monthly balance of more than €10,000.
Your fee will be €20 per quarter if you...
Meet one of the following requirements:
- You are the holder of an investment fund or an individual pension plan or an individual insured or social security plan at Banco Sabadell (or you have been sold one through it), with an average monthly balance of between €3,000 and €10,000.
- You have your salary or a regular income of at least €700 paid directly into the account, excluding income from accounts opened in the Banco Sabadell group in the name of the same holder, and you also meet one of these three conditions:
- Have taken out 1 insurance policy with Banco Sabadell.
- You have two direct debit bills for household consumption in the account.
- You have made a minimum of two purchases per month with your credit card and charged to the Sabadell Account in the last three months.
Your fee will be €60 per quarter if you...
Do not meet any of the requirements we have set out in the other tabs.
Please note that all the products we have indicated, i.e. investment funds, pension and welfare plans, mortgages and loans, renting and free or combined insurance, must be contracted with a Banco Sabadell company or have been sold through the Bank.
Insurance contracts not eligible for the discount. Taking out the following types of insurance will not count for the discount: Pension Savings Insurance (including Insured Pension Plans or PPAs) or Alternative Pension Savings Insurance (including insurance for capital savings, temporary income – whether fixed income or unit linked – lifelong savings and Systematic Individual Savings Plans, or PIAS).
We answer your most frequently asked questions
Legal terms and conditions
1 Account profitability is 0% APR, calculated for a scenario in which an average balance of €2,500 is maintained constantly for 1 year, applying an NIR of 0% and the account administration and maintenance fee of €0/year. The account is settled on a quarterly basis.
APR: -9.260%, calculated for a scenario in which an average balance of €2,500 is maintained throughout 1 year, applying an NIR of 0% and with an account administration and maintenance fee of €240/year (€60/quarter).
APR: -3.1618%, calculated for a scenario in which an average balance of €2,500 is maintained throughout 1 year, applying an NIR of 0% and with an account administration and maintenance fee of €80/year (€20/quarter).
APR: -1.590%, calculated for a scenario in which an average balance of €2,500 is maintained throughout 1 year, applying an NIR of 0% and with an account administration and maintenance fee of €40/year (€10/quarter).
APR: 0%, calculated for a scenario in which an average balance of €2,500 is maintained constantly for 1 year, applying an NIR of 0% and the account administration and maintenance fee of €0/year (€0/quarter).
In all cases, the account is settled on a quarterly basis.
2 You can set up your savings plan from the Savings Account linked to your Sabadell Online Account. Account profitability: 0% NIR 0% APR for daily positive balances, administration and maintenance fee: €0/year. Account settled on a quarterly basis.
3 Debit cash withdrawals using your debit card are free of charge at a wide network of ATMs: Withdraw cash by debiting your balance free of charge at Banco Sabadell ATMs in Spain using your debit card, regardless of the amount. It is also free if you withdraw an amount equal to or greater than €60 at the ATMs of the main banks belonging to the EURO 6000 network: Abanca, Ibercaja, KutxaBank, Unicaja Bank, CajaSur, Caixa Ontinyent and Colonya Caixa Pollença.
4
For a Sabadell Credit Line of €2,000 to be repaid over 12 months: 11 instalments of €183.25 and a final instalment of €183.19.
Total cost of credit: €198.94. Interest rate: 17.88%. APR (Annual Percentage Rate): 19.42%. Interest amount: €198.94. Total amount payable: €2,198.94.
Total cost of credit: €497.36. Interest rate: 17.88%. APR: 19.42%. Interest amount: €497.36. Total amount payable: €5,497.36.
Instalments to be paid are calculated using the French repayment schedule, which has consistent instalments.
The contracting of a Sabadell Credit Line requires prior knowledge of the contractual terms and conditions. You can view the general terms and conditions of the contract at bancosabadell.com, in the financing section.
Activation of the Sabadell Credit Line requires the express or tacit acceptance of the contractual terms and conditions of all the account holders if there are several of them. The initial credit limit is shared regardless of the number of account holders, subject to monthly review on a joint and several basis. The monthly limit can go from €2,000 up to €5,000 and the repayment terms can be 3, 6, 9, 12, 18 and 24 months. Arrangement Fee: 0.00%. Assessment Fee: 0.00%. Fee for early cancellation of the credit: 0.00%.
Offer valid until 31/03/25.
* The granting of the credit card is subject to the previous approval by Banco Sabadell, after carrying out the corresponding risk and viability study.