Banco Sabadell Sectoral Solutions

1 The insurance policies are mediated by “BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A.”, with Tax ID Number A03424223, located in 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 www.bancosabadell.com/bsmediacion.

2 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 or Smart Mini POS terminal. Exclusive conditions for customers without a POS terminal prior to 13 May 2024. The foregoing conditions of the Sabadell Business Plus Account will be maintained as long as the POS terminal term is complied with, which will be reviewed on a monthly basis. If this requirement is not met, the Sabadell Business Plus Account will now 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.

3 No account management or maintenance fees. Indefinite profitability that may change depending on market conditions. From now on, a 2% APR return per annum up to an average combined balance of €20,000 from the Sabadell Online Account and the Sabadell Savings Accounts. Representative example of total remuneration in one year calculated for a joint average monthly balance of €20,000: 2% NIR per annum, 2.018% APR, €400 in interest settled in the year. Settlement is paid on a monthly basis and is credited to the Sabadell Online Account on the 15th day of the following month (or the first working day before it).

4 Promotion open to all customers in the HORECA sector (Hotels, Restaurants and Cafés) that are holders of a Sabadell Business Plus Account and Sabadell Online Account for business use, who contract a Smart POS, Mini Smart POS terminal or POS terminal, who haven’t previously had a Banco Sabadell POS, between 13 May and 31 August. The promotion will consist of:
- €0 monthly maintenance fee on your first Smart POS terminal, Mini Smart POS terminal or POS credit card terminal.
- Sabadell Business Plus Account with no access requirements.
- Get €30 gross cashback every quarter if the account holder has a turnover of at least €6,000/quarter with any POS model contracted with the bank, up to a maximum payment of €120 gross per annum.
For the quarter between April and June, the minimum turnover to be able to qualify for the promotion is €2,000. For subsequent quarters, the minimum will be €6,000. For all quarters, the cashback amount will be €30 gross.
The offer is extendable to the Double Screen POS, with the exception of the maintenance fee, which for this terminal will be €18/month with the Sabadell Negocios Plus Account. The monthly fee for the maintenance of the POS will increase according to the corresponding VAT or indirect tax, in accordance with the criteria established by the Tax Administration.

5 The per-transaction fee of 0.25% will be applied directly for all personal cards issued in Spain 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. Domestic business cards will be charged a transaction fee of 0.80% with a minimum of €0.07 per transaction. Cards for European businesses, non-European cards (personal and business) and JCB and CUP cards have a transaction fee of 1.80% + €0.39, with a minimum of €0.46 per transaction. Mastercard B2B cards under the GWTTP programme incur a transaction fee of 2.95%. Transactions made with American Express cards are excluded from this offer and are subject to specific fees.

6 During the first 6 months the maintenance fee will be €0. Starting from the 7th month, the maintenance fee for the Sabadell Negocios Account is €100/year, which will be settled quarterly (€25/quarter).  Account profitability: 0% Nominal Interest Rate (NIR). Annual Equivalent Rate (APR): -3.940%, example if an average balance of €2,500 is maintained for 1 year. Bonus of the entire maintenance fee (account profitability of 0% NIR and 0% APR) if during the settled period: 
- The account holder has contracted through the bank and mediated by BanSabadell Mediación any of the following insurance: Auto Protection, Business and Office Protection, Business Protection, Self-Employed Subsidy Protection, Life Protection, SME Life Protection, SME Health Protection, Self-Employed Health Protection, Civil Liability or Professional Civil Liability.
- Or, during the last three months, the account holder has made a minimum of 60 purchase transactions with the Point of Sale Terminal (POS) contracted with or through the bank, or has invoiced a minimum of €6,000 with the POS contracted with or through the bank. 
Bonus of half the maintenance fee (account profitability: 0% NIR and -1.9850% APR. Example in case of maintaining an average balance of €2,500 for 1 year), if met, during the last 3 months, the following condition on the part of the trade, business or company: having 6 debit entries domiciled in the account for the payment of payroll, taxes or social security.

7 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.

8 No account management or maintenance fees. For accounts opened between 11/07/2024 and 31/07/2024, the 12-month profitability will be 2.53% APR up to an average combined balance of €50,000 between the Sabadell Online Account and the Sabadell Savings Accounts of the account holders linked to it. 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 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.

9 Payment of €30/quarter for activating a Sabadell 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.

*Data extracted from Sistemapay: card and instalment payment methods, 1Q2024.