Banco Sabadell Sectoral Solutions

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

1 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.

2 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.

3 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.

4 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.

5 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.

6 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.

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.

1. Return: 0% Nominal Interest Rate (NIR), 0% Annual Percentage Rate (APR). The 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, available at www.bancsabadell.com/bsnacional/en/legal-terms-and-conditions-for-campaigns-and-promotions/ and who activate the account between 1 April and 15 June 2025, both inclusive.

2. All 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.

3. 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 will receive 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 turnover (tiers included: €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.

The promotion excludes customers who had a POS terminal activated as at 31 March 2025. The promotion excludes Virtual POS, Smart Dual Screen POS, and Smart Phone&Sell POS terminals. Transactions conducted with American Express are excluded from these prices and will not count in the contracted Flat Rate billing tranches as American Express cards have their own rates.

The beneficiary status will be lost in any of the following cases: (i) termination of the merchant or POS terminal; (ii) exceeding the 10% limit on the total monthly billing of international cards, (iii) changing the fee mode (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 fee from the contract period or higher, penalties will be applied corresponding to the contracted fee amount and the promotion period.

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


4. 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 between 60 and 90 days from the date of payment of the first receipt, into the account used for the payment of the new insurance product(s) contracted. Being paid the incentive is considered a capital gain for the taxpayer in the Personal Income Tax or a benefit in Corporate Income Tax for the policyholder, and is not subject to withholding. 
Terms and conditions available at  www.bancsabadell.com/bsnacional/en/legal-terms-and-conditions-for-campaigns-and-promotions/.

Life Care, Life Care Premium, and SME Life Protection are life insurance policies, and Accident Premium is an accident insurance policy, all offered by BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A08371908 and its 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.
Insurances 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., a company with which it has signed a distribution network services agreement. BanSabadell Mediación's registered address is Avenida Oscar Esplá, 37, 03007 Alicante, Tax ID A03424223, and is registered in the Mercantile Registry of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP under code no. OV-0004, acting for BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, and BanSabadell Seguros Generales, S.A. de 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 all times. You can view a list of the insurance companies with which BanSabadell Mediación has signed insurance agency contracts at www.bancosabadell.com/bsmediacion.