BBVA is a large traditional bank offering business and self employed accounts, strongest in Spain and across several BBVA group markets, with a welcome account that waives the maintenance fee for eligible new business customers.
- Who it suits
- Companies and self employed people who want a licensed bank with branches plus digital business banking
- Broadly available in
- Spain, Mexico, Turkey, Argentina, Colombia, Peru
- Headline monthly fee
- No maintenance fee on the welcome business account for eligible new customers. Verify with BBVA
- Account type
- Business current account from a traditional bank
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
BBVA is a major international banking group with deep roots in Spain and a strong presence across Latin America and Turkey. For business customers it provides current accounts, cards, lending, payment terminals and online business banking. The proposition is closer to a full service bank than to a lightweight digital account, which appeals to businesses that value branch access, relationship managers and a broad product range. In Spain it has pushed digital onboarding and fee free welcome accounts to attract new self employed and company customers.
Strengths
BBVA combines the reassurance of a licensed bank with a well rated mobile and online business banking experience. New business customers in Spain can open a welcome account with no maintenance fee, subject to conditions, and the group offers a wide product set that grows with the business, from cards and terminals to financing. For companies that already operate in BBVA group markets, a single banking relationship can span several countries.
Limitations
Availability is concentrated in Spain and the BBVA group footprint rather than worldwide, so it is not a fit for every market. BBVA exited business banking in the United States, so it is not an option there. Pricing varies by account tier and market, and some accounts carry fees outside the welcome conditions, so the headline fee free offer does not apply to every customer. Always confirm the current terms for your country and account type.
Fees and features
| Monthly fee | No maintenance fee on the Spain welcome business account for eligible new customers, subject to turnover conditions. Other tiers and markets may charge a fee. Verify with BBVA |
|---|---|
| Transaction fees | Standard and instant euro transfers and payroll within the European Economic Area are advertised with no fee on the Spain welcome account. Other charges may apply. Verify with BBVA |
| FX fees | Vary by transaction and market. Verify with BBVA |
| Minimum deposit | No minimum deposit stated for the welcome business account. Verify with BBVA |
| Multi currency | Foreign currency accounts and international payments are available for businesses. Terms vary by market. Verify with BBVA |
| Integrations | BBVA online and mobile business banking, card payment terminals, and accounting connections. Verify the current list with BBVA |
| Eligibility | Registered companies and self employed workers in a BBVA market. The Spain welcome offer targets new business customers billing under five million euros a year |
Open a BBVA Business account
Availability and fees vary by country. Check the BBVA by country pages below for your market, then confirm current terms with the provider. Shown as of 27 May 2026.
Visit BBVA →BBVA Business by country
Questions about BBVA Business
Where is a BBVA business account available?
Does the BBVA business account in Spain charge a monthly fee?
Who can open a BBVA business account in Spain?
Is BBVA a neobank or a traditional bank?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 27 May 2026. Confirm current terms with BBVA before applying.