Become a customer
Cuenta Clara: risk indicator
1/6
This number indicates the risk level of the product, with 1/6 indicating the lowest risk and 6/6 the highest risk.
Guarantee Fund
ABANCA is a member of the Deposit Guarantee Fund for credit institutions. The Fund guarantees up to a maximum of 100,000 euros per depositor and credit institution.

Commission-free self-employed account

€500

for direct debiting your self-employed quota

The ABANCA Account for the Self-Employed is an account designed for small businesses with no fees and 100% online management. If it doesn't happen at your bank, move on from your bank.

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€500 for whatever you want

Just for opening your account and setting up a direct debit for your self-employed social security contribution of more than €50 per month, you get €500(1).

Yes, €500 paid directly into your account a few days after your first payment is charged at ABANCA.

No fees
No worries

Here we don't charge you a maintenance fee. (0% APR).

An account for freelancers with everything you need to manage your money

Your card, your way

With your Online Freelancer Account, you get your free debit card and your credit card with no issuance fee for the first year(2). Use them physically, use them virtually. Or both.

Move your money
Without moving

Free transfers
Don't pay to send money within the EU, in euros and non-urgent, from your app.

Integrated Bizum
Activate it in the app in seconds and start sending or receiving money in Spain. You can also send or receive money to Portugal, Italy, or Andorra. All from your mobile.

Control your payments
Personalize your accounts, turn your cards on or off, categorize your expenses and income, and much more!

The flexibility you're looking for

And if you also need extra support to cover everyday unforeseen expenses, you can take out the Open Credit Account and link it to this account for freelancers.

With it, you'll be able to make payments such as bills, purchases, or transfers, even if you don't have enough balance.

Apply for your freelancer account in just 10 minutes

Your DNI or NIE

And if you are working, we will also ask you for information about your occupation.

Your mobile phone

We will send notifications to your mobile
to help you complete the account opening process and validate it.

A video selfie

Have your camera on and ready.

See the informative document on commissionsView PDF file and the list of the most representative services.

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Security for your money

Your money is where it should be: protected, safe, and under your control. Our ABANCA Key technology adds extra layers of security to every transaction from your app.
More info about Security

Advantages of opening the Self-Employed Account

The ABANCA Self-Employed Account is designed for professionals seeking operational agility.

1. Savings on operating costs

The main advantage of our account for freelancers is that you can manage your finances online while saving costs. We want your hard work to translate into savings, without paying maintenance or administration fees. With the Freelancers Account, you enjoy:

  • Free non-urgent SEPA transfers in the app.
  • Debit and credit cards with no issuance fees.
  • Access to a catalog of products designed for the day-to-day needs of self-employed workers.

You only need to maintain a digital profile by making your transfers, deposits, and other transactions from your app.

2. Smart management of collections and payments, how does it work?

This account professionalizes your daily operations and gives you agility by allowing you to manage your payments from the app. In addition, as an ABANCA customer, you get preferential conditions when contracting a POS terminal. These tools help improve immediate liquidity, whether in a physical business or an eCommerce, by centralizing all your collections and payments in an intuitive interface.

3. Financing and exclusive services

We know that every business is unique. That’s why we offer you credit solutions with competitive interest rates, tailored both to long-term investments and specific needs. In addition, the ABANCA app helps you simplify your procedures: it allows you to pay taxes and self-employed contributions in an integrated way. When you apply for it, you don’t just get an account, but a comprehensive tool that brings all your management tasks together in one place.

You may also be interested

0.20% on your POS terminal

Enjoy a special rate when you sign up for your ABANCA POS: a 0.20% commission per transaction, during the first 3 months from the date of signing up.

Interest-bearing account

If you're looking to make your money work for you and grow your savings, we have an interest-bearing account for you.

Business Insurance

Make sure your business keeps running no matter what. With ABANCA's Business Insurance, you can pay month by month and customize it your way.

With the security of a nearby branch

Digital bank: yes
900 branches: also

Not only do you have your manager close to home, but you can also withdraw money for free at ABANCA ATMs in Spain.

Find your office

Do you have questions about the Freelancer Account? We have answers

Questions

More real questions and answers about the Account for the Self-EmployedIt will open in a new window

Documentation

Te mostramos toda la información en el siguiente documento que contiene la Ficha de Información Precontractual (FIPRE)

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Consulta el Documento Informativo de Comisiones (DIC).

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¿Quieres saber más de la tarjeta Tú? Aquí tienes toda la información bajo los estándares de la Unión Europea (INE)

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Lista de servicios más representativos asociados a esta cuenta

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Consulta el modelo de contrato de la Cuenta Online

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Check all the general preliminary information about payment services.

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Si quieres solicitar un traslado de cuentas a ABANCA, te contamos cómo hacerlo

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¿Necesitas más información? Hemos hecho un vídeo para explicar lo más básico :)

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On the blog

Si no entiendes los conceptos de tu nómina, te los explicamos para que te queden claros.

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¿Ahorrar es tu objetivo? ¡Házlo casi sin darte cuenta!

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¿Cuánto tarda una transferencia bancaria?

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¿Cuánto se tarda en abrir una cuenta?

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(1) Net incentive of €405, which is €500 gross, until January 31, 2027 for new clients who direct debit Social Security payments for a minimum amount of €50/month. You must maintain them for 24 months and sign the commitment to stay. Monetary movable capital yield subject to withholding tax. Not combinable with other income direct debit campaigns. The promotion will not apply to clients who have already had a salary, pension, or self-employed fee direct debited in Abanca at any time in the last 12 months. If you fail to meet the commitment requirement, you must reimburse us the proportional part of the gross incentive for the remaining months to reach the 24-month commitment.

The Cuenta Online Clara is a non-interest-bearing current account for new clients TIN 0%, APR: 0%, with no maintenance fee or conditions, calculated for a hypothetical daily positive balance over one year.

To open this account, you only need to be of legal age, live in Spain, and not be an ABANCA client. Once the account is opened, if you want to enjoy all the benefits, you must be up to date with your payments if you have any loan, credit, or any other product with ABANCA. Also, since this is an account for digital clients, you must carry out your usual operations through your app or online banking.

If we see that you go to our branches to carry out counter operations such as deposits or withdrawals of less than €600 (which you can do at some of our ATMs) or transfers and movements (which you can do for free from your app), for two consecutive months, your account will switch to the conditions of a regular current account, which does have administration and maintenance fees, and you would also have other fees on cards or transfers.

To make sure you don’t have to worry and to avoid this happening, we will notify you in advance. We recommend that you consult the FIPRE and the contract, where we also explain this. (2) The Visa Tú credit card will have no issuance fee during the first year. Afterwards, you can continue enjoying this credit card without paying a fee if you make annual purchases with it worth at least €3,000. The granting of this product is subject to the entity’s risk analysis.

In the account pack, you will also sign up for our Flat Rate Insurance, so if you ever take out insurance with ABANCA, you can pay it in 12 identical monthly installments, with no interest or fees (TIN 0%, APR 0%). Here’s an example of paying for insurance direct debited to your Flat Rate Insurance without considering the bonus. Suppose the annual premium amount for all insurance is €420, the amount you would have to pay in each of the twelve monthly installments would be €35. Therefore, the total amount owed would be €420. No fees, TIN 0% APR 0%. The granting of this product is subject to the entity’s risk analysis. Check the conditions of the Flat Rate Insurance at abanca.com/tpsCCGGView PDF file

INTERMEDIARY: ABANCA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO S.L., tied bancassurance operator, with registered office at Avda. de la Marina No. 1, 4th, A Coruña, registered in the Commercial Registry of A Coruña, volume 3321, page 64, sheet C-38698 in the Special Register of Intermediaries of the Directorate General of Insurance and Pension Funds with No. OV-0044. With professional civil liability insurance and the necessary financial capacity required by current insurance distribution regulations. CIF: B-70049630.

INSURERS: ABANCA Vida y Pensiones de Seguros y Reaseguros, S.A.U, CIF: A15140387, registered with the DGSFP C0628 and with registered office at Avda. de la Marina 1, 3rd, A Coruña. ABANCA Generales de Seguros y Reaseguros, S.A., with NIF A14715270 and registered office in A Coruña, Avda Linares Rivas 30 3rd, CP 15005. Registered in the Commercial Registry of A Coruña, volume 3407, page 9, sheet C-47133 with registration key in the DGSFP C-0808. CASER, Caja de Seguros Reunidos, Compañía de Seguros Y Reaseguros, S.A. with registered office at Avenida de Burgos, 109 - 28050 Madrid and registration key in the DGSFP C0031 and SANITAS, Sanitas Sociedad Anónima de Seguros with registered office at Ribera del Loira, 52 –28042 Madrid and registration key in the DGSFP C0320. Check the rest of the insurance companies with which the intermediary has an agency contract in the insurance section of abanca.com