Banco Sabadell Sectoral Solutions

* Data taken from Sistemapay: Card system and instalment Payment Methods, T2 2024.

1. All the POS terminals are products of Paycomet, S.L.U., a company of the Banco Sabadell group. 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.

2. The insurance policies are brokered by “BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A.”, with Tax ID Number A03424223, located at Avda. Óscar Esplá, 37, 03007 Alicante, registered in the Mercantile Register 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 “BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros”; “Zurich Insurance plc, Sucursal en España”; “BanSabadell Vida, S.A. de Seguros y Reaseguros”; “DKV Seguros y Reaseguros S.A.E.”, and “Sanitas, S.A. de Seguros”, holding a Civil Liability Insurance pursuant to the provisions of the regulations on the distribution of private insurance and reinsurance in effect at all times. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at the following website: www.bancosabadell.com/bsmediacion.

3. Return: 0% Nominal Interest Rate (NIR), 0% Annual Percentage Rate (APR). The terms and conditions of the Sabadell Negocios Plus Account will apply exclusively to new customers of Banco de Sabadell, S.A. who are self-employed, businesses, or SMEs identified with one of the NCAE codes set out in the Promotion Terms and Conditions, available at www.bancsabadell.com/bsnacional/es/bases-legales-campanas-y-promociones/ and who activate the account between 1 April and 15 June 2025, both inclusive.

4. Between 1 April and 15 June 2025 (both inclusive), self-employed customers, businesses, and SMEs in the Health and Wellness sector who contract a new POS terminal with a Flat Rate monthly fee for at least 12 months will be eligible for a promotion of 6 months free by waiving the monthly fee for the flat rate they must pay according to the selected tier based on their monthly billing (tiers included: from €1,000/month to €10,000/month). Any excess monthly turnover beyond the selected flat rate tier will be charged at a 1.10% discount rate on the amount of each transaction.

Customers with an already active POS terminal are excluded from this promotion. Also excluded are Virtual POS, Smart Dual Screen POS, and Smart Phone&Sell POS terminals. Transactions made with American Express cards are excluded from these prices and will not be counted in the contracted Flat Rate billing tranches as these cards have their own rates.

Beneficiary status will be lost under the following circumstances: (i) termination of the merchant or POS contract; (ii) exceeding the 10% limit on the total monthly billing of international cards; (iii) change of tariff modality (lower Flat Rate tier or Discount Rate) within the first 12 months of the contract; or (iv) refund of any monthly fee. If the POS terminal is not maintained for 12 months with the flat rate contracted or higher, penalties corresponding to the contracted fee and the promotion period will apply.

For more information, see the terms and conditions of this promotion at www.bancsabadell.com/bsnacional/es/legal-terms-and-conditions-for-campaigns-and-promotions/.

5. Subject to the terms, conditions, coverages, insured amounts, restrictions, and exclusions established in the general and specific terms (where applicable) of the policy.
Promotion of the insurers BanSabadell Vida and BanSabadell Seguros Generales applicable to self-employed customers (individuals and adults) and businesses (legal entities), in both cases with tax residence in Spain, for new contracts entered into between 1 April 2025 and 15 June 2025, both inclusive, for any of the following insurance products: Life Care, Life Care Premium, Premium Accident, SME Life Protection (BanSabadell Vida products) or Shop and Office Protection (a BanSabadell Seguros Generales product). The closing date for the policy coming into force is 31 August 2025. The insurance must be taken out with annual, semi-annual or quarterly payment terms.

The insurance must be current and up to date with payment to be entitled to the incentive. Promotion applicable exclusively to the first year of the insurance policy. The incentive amount will be equivalent to the following: 

-     For contracts with annual payment: the amount equivalent to 25% of the total premium paid in the first bill will be paid.

-     For contracts with semester payment: 50% of the total amount will be paid in the receipt of the first semester.

-     For contracts with quarterly payment: the total amount paid in the first quarterly bill will be paid.

A one-time deposit will be made via bank transfer by the promoting entity, BanSabadell Vida and/or BanSabadell Seguros Generales, within a period of 60 to 90 days from the date of payment of the first receipt, into the account used for the payment of the contracted insurance. The incentive payment will be considered a capital gain in personal income tax or a benefit in corporate income tax for the policyholder, and is not subject to withholding.

Conditions available at www.bancsabadell.com/bsnacional/es/legal-terms-and-conditions-for-campaigns-and-promotions/.

Life Care, Life Care Premium, and SME Life Protection are life insurance policies, and Premium Accident is an accident insurance policy, all offered by BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A08371908 and registered office at C/ Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Register of Madrid and the Insurance Companies Register of the DGSyFP under code no. C0557. Business Premises and Office Protection is an insurance policy of BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A64194590, with registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Insurance Companies Register of the DGSyFP under code no. C-0767.

Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A. (“BanSabadell Mediación”) and marketed through the Banco de Sabadell, S.A. network, with whom it has signed a distribution services agreement. BanSabadell Mediación is located at Avenida Óscar Esplá, 37, 03007 Alicante, Tax ID A03424223, and is registered in the Mercantile Registry of Alicante and the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP under code OV-0004. It acts for BanSabadell Vida and BanSabadell Seguros Generales and holds a civil liability insurance policy in accordance with current legislation.

You can consult the insurance companies with which BanSabadell Mediación has signed an insurance agency agreement at www.bancosabadell.com/bsmediacion.

6. During the first 6 months of the Sabadell Business Account, the requirements set out in the contract will not apply. From the 7th month onwards, you must have a salary or regular monthly income of at least €700 deposited in the account, excluding income from accounts opened with Banco Sabadell Group in the name of the same account holder. If this condition is not met for two months prior to the quarterly settlement, the Sabadell Business Account will become a Relación Account.

Likewise, during the first 6 months the maintenance fee will be €0. From the 7th month onwards, the annual maintenance fee for the account will be €100 (€25/quarter). Account return: 0% NIR. APR: -3.940%, based on a representative example of an average annual balance of €2,500.

Full maintenance fee waiver (0% NIR and 0% APR) if during the quarter:

- The account holder has contracted any of the indicated insurances with BanSabadell Mediación.

- Or, in the last 3 months, has made at least 60 purchase transactions with a Banco Sabadell POS terminal, or billed at least €6,000 through said terminal.

50% maintenance fee waiver (0% NIR and -1.9850% APR) if in the last 3 months, the business has 6 direct debits recorded for payroll, taxes or social security payments.

7. 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 at 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.

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

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.