Banco Sabadell

Universal bank · Sabadell, Spain

Banco de Sabadell, S.A. is Spain's fourth largest banking group, founded in 1881 by 127 manufacturers and merchants in Sabadell and listed on the Spanish stock market since 2001. It is a significant institution supervised directly by the European Central Bank and is entered in the Bank of Spain register under number 0081. At the end of 2025 it had 245,392 million euros of total assets, 1,336 branches and offices and 18,736 staff. Its Business Banking unit serves companies with turnover up to 200 million euros plus the self-employed and the institutional sector, with working capital lines, structured finance, collections and payments, point of sale acquiring and hedging, while Corporate Banking covers large corporates and financial institutions in Spain and eleven more countries. Foreign trade is a real strength: the bank reports a very large market share in both import and export letters of credit and offers import and export financing, international bill discounting and international guarantees covered by CESCE. TSB, its British retail bank, was sold to Banco Santander during 2026, and BBVA's takeover bid for Sabadell failed in October 2025.

Legal name: Banco de Sabadell, S.A.
Regulated by: European Central Bank (significant institution, directly supervised since November 2014), Bank of Spain (credit institution register number 0081), CNMV (Spanish securities regulator)
Licence confirmed: yes, on a regulator's own list
Established: 1881
Website: www.grupbancsabadell.com

Scores, 0 to 10

8.0Europe (EU, EEA, Switzerland)

A significant institution supervised by the ECB with 1,336 branches and offices, mostly in Spain, plus branches in Paris and Lisbon, and 107,100 million euros of performing loans in Spain at June 2026. · source

7.5Trade, manufacturing & import-export

The bank reports a very large market share in both export and import letters of credit, offers import and export financing, international bill discounting and CESCE-covered guarantees, and runs the Sabadell International Business Program for exporters. · source

7.0Financial strength & stability

Fully loaded CET1 of 13.11 percent, NPL ratio 2.47 percent, LCR 188 percent and NSFR 131 percent at June 2026, with 245,392 million euros of total assets at the end of 2025 and ratings of A- from S&P, Baa1 from Moody's, A- from Fitch and A (low) from DBRS. · source

6.0Cross-border payments, FX and multi-currency accounts

International transfers were redesigned in BSOnline with GPI tracking that gives real-time visibility of transfer status, and treasury sits inside Corporate Banking, but no currency count and no FX margin are published. Corporate Banking covers structured finance, treasury, investment banking and custody in Spain and eleven more countries, with international transfers, GPI tracking and CESCE-covered international guarantees, though no global cash pooling is published. · source

5.5Latin America, Africa & South Asia

Banking Business Mexico runs corporate, commercial and retail banking through a Mexican bank, backed by representative offices in New Delhi and Santo Domingo. · source

5.5Business cards (Visa, Mastercard)

Cards and point of sale terminals are core services for business customers and immediate card activation was added in July 2025, but no virtual card or per-card spend control product is published. · source

5.0Best interest on business balances

The range covers term deposits including Deposito Lider and Deposito Bonificado, which pays more the more products a customer holds, plus structured deposits and guaranteed funds, but no automatic sweep or published yield on business current accounts. · source

5.0Online businesses: e-commerce and SaaS

Merchant acquiring is a stated business line with three Smart PoS models offering split payments, digital receipts, duty-free passport scanning and inventory management. No receiving accounts for software companies based abroad, no published banking API or accounting integrations and no revenue-based financing; the corporate digital channel is BSOnline. · source

5.0Startups & VC-backed companies

Venture capital runs through BSCapital inside Corporate Banking and the Companies Hub gives businesses content and connections, but there is no published account product for pre-revenue companies. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: Sabadell publishes no rule on payments to crypto exchanges, and a 2026 guide describes funding MiCA-licensed exchanges from a Sabadell account by ordinary SEPA transfer without special limits, which is a third-party claim. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: Sabadell publishes no source-of-funds process for crypto proceeds, and no reports of it returning exchange transfers were found, checked September 2026. · source

4.5United States

A Miami branch and a New York representative office, with private banking for US clients handled inside Corporate Banking, but no retail or SME network. · source

4.0United Kingdom

A London branch remains after TSB was sold to Banco Santander during 2026, serving corporate customers rather than offering UK business current accounts. · source

4.0Lowest fees

There is no free business account: fee and commission income was 643 million euros in the first half of 2026 and the bank guides to mid-single-digit growth for the year, on incumbent per-service pricing. · source

4.0Fast digital onboarding

The Sabadell Online Account opens fully digitally for retail customers and the self-employed, but companies above 2 million euros of turnover are managed by specialised branches and no time to open a company account is published. · source

4.0Foreign-owned & non-resident companies

The 2025 annual report lists a demand deposit account designed for non-resident foreign customers, plus a Basic Payment Account open to non-residents, but both are retail products and company accounts run through branches with no published remote route for foreign-owned firms. · source

3.5Middle East & Gulf

A branch in Casablanca plus representative offices in Algiers, Dubai and Istanbul; the bank notes it moved quickly when Algeria reopened for some sectors in 2025. · source

3.0Crypto-friendly bank

Banco Sabadell publishes no policy on onboarding crypto businesses; the 2025 annual report does not mention digital assets and a press room search for crypto returns one consumer fraud article. · source

3.0Fintech companies that need a partner bank

Banco Sabadell publishes no safeguarding accounts, BIN sponsorship or agency banking offer for electronic money institutions and payment firms. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

Banco Sabadell publishes no policy on gambling, cannabis, adult or forex-broker clients in its annual report or on its corporate site. · source

2.0Asia-Pacific (SG, HK, AU, JP, KR)

Representative offices in Beijing and Shanghai only, with no banking licence and no local rails anywhere in Asia-Pacific. · source

2.0Customer satisfaction

Trustpilot rates Banco Sabadell 1.2 out of 5 from 2,220 reviews, in the band it labels Bad. · source

2.0Stablecoins (USDC, USDT and others)

Sabadell joined the Qivalis euro stablecoin consortium on 20 May 2026, with first issuance planned for the second half of 2026 once the Dutch central bank grants a licence, but it offers no stablecoin service to companies today. · source

1.0Crypto wallet and custody for a business

Sabadell holds no crypto for business or personal clients and has no MiCA CASP authorisation; its May 2026 statement says it is still monitoring and evaluating digital asset opportunities. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance for Sabadell's merchant clients; its only stablecoin step is the Qivalis consortium, whose token had not been issued by September 2026. · source

1.0Bitcoin

Sabadell offers no bitcoin buying or holding; a 2026 guide confirms clients must buy bitcoin on an outside exchange, checked September 2026. · source

1.0Ethereum

Sabadell offers no ether buying or holding for business clients, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.