Basic payment account

Comissió d’administració i de manteniment del compte: 3 €/mes.

La liquidació del compte es realitza amb una periodicitat trimestral (9 €/trimestre).

Exemples representatius del Compte de Pagament Bàsic TAE: -1,195 % TIN: 0 %, calculada per a un supòsit en què es mantingui de manera constant durant 1 any un saldo mitjà de 3.000 €; TAE: -3,552 % TIN 0 %, calculada per a un supòsit en què es mantingui de manera constant durant 1 any un saldo mitjà de 1.000 €. La TAE variarà segons l'import de saldo mitjà. Els clients que tinguin reconeguda una situació d'especial vulnerabilitat o risc d'exclusió financera podran sol·licitar l'accés gratuït al compte de pagament bàsic (0 % TAE) i als serveis assenyalats. La condició l’han de complir tots els titulars del compte i han d’aportar a l’entitat tota la documentació requerida per acreditar aquesta situació. Exemple representatiu en cas de clients amb especial vulnerabilitat o risc d'exclusió financera.

Exemple calculat per a un supòsit en què es mantingui de manera constant durant 1 any un saldo mitjà de 1.000 €, aplicant un tipus d’interès del 0 % TIN, 0 % TAE i la comissió d'administració i manteniment de 0 €/any (0 €/trimestre).

Consultar document informatiu de les comissions

To open this account, the interested party must formalise the corresponding opening contract at a branch of Banco Sabadell and declare that he/she does not have any other payment account with any other banking institution in Spain that would allow him/her to perform the services associated with this basic account.
In order to open this account, persons legally resident in the EU, including those with no fixed abode, must provide their identification document (national identity card, passport or NIE).

Asylum seekers must provide a document as proof of their status as an applicant in the process of international protection, also known as a red card, their passport, if they have one, or an identity document from their country of origin, as well as financial documentation on the source of the funds to be received (aid or benefits received from NGOs).
In addition, those persons who do not have a residence permit but whose expulsion is impossible for de jure or de facto reasons must provide documentation that allows them to prove this situation, such as the application for the granting of the right to asylum, by means of the proof of application stamped by the National Police attached to their passport, or the document issued by the National Police as an asylum seeker, or that they have obtained refugee status and therefore have an identity document, and financial documentation on the source of the funds to be received (aid or benefits received from NGOs).

If account holders wish to make a complaint or claim, they can contact the bank's Customer Care Service (SAC), either through its branches or via its email address (SAC@sabadellatlantico.com). The use of this media must comply with the provisions of Regulation (EU) No. 910/2014 of 23 July 2014 on electronic identification and trust services or with any subsequent regulations that may replace or implement it, and you should therefore file your claim in accordance with the provisions of the Regulations, which are available to you through the branches and the following Internet address: www.bancosabadell.com.

Cardholders may, in accordance with the provisions of the above-mentioned Regulations, submit any potential claims to the Bank’s Customer Ombudsman.
Complaints and claims expressly resolved by the SAC or Ombudsman, as well as those that are regarded as rejected (which are not ended by means of an express resolution, except in cases of acceptance, withdrawal, transaction or expiry of the claim), may be re-submitted to the claims services of the Bank of Spain, the National Securities Market Commission or the General Directorate of Insurance and Pension Funds, in accordance with the provisions of Law 44/2002 on Financial System Reform Measures, as well as its implementing regulations, or any which replace them. Claims submitted by users of the payment service in relation to the rights and obligations set out in items II and III of Royal Decree-Law on payment services shall be resolved in accordance with the deadlines and in the manner provided in said royal decree-law.
Consumer disputes in the financial sector shall be resolved by means of the alternative dispute resolution entity for the area of this activity, the creation of which is provided for in the first supplementary provision of Law 7/2017 of 2 November, incorporating Directive 2013/11/EU of the European Parliament and of the Council of 21 May 2013 on alternative dispute resolution in consumer matters, into Spanish legislation. Until the body provided for in said Law 7/2017 is created, the claims services regulated in article 30 of Law 44/2002 of 22 November on financial system reform measures shall adapt their transactions and procedure to the latter's provisions.

The Bank is not a member of the Consumer Arbitration Board.

A customer shall be considered to be in a situation of special vulnerability or at risk of financial exclusion when:

The gross income, calculated annually and per family unit, does not exceed the following thresholds:

• Two times the multi-purpose public indicator of income (hereinafter, IPREM) for 12 payments, for persons who are not part of a family unit.
• 2.5 times the IPREM for people in a family unit with less than 4 members.
• Three times the IPREM for people in a family unit of four or more members or who have the status of large family.
• Three times the IPREM in the case of family units who include a person with an officially recognised degree of disability equal to or greater than 33%.

There is no direct or indirect ownership, or any secured right over real property, excluding the main residence, or secured ownership of commercial companies, by any of the members of the family unit.

Unmarried partners shall have the same status as unmarried spouses who are not legally separated, if they have been formed in accordance with the requirements applicable to them.