# Banco Sabadell

> Source: https://docs.barcoder.ai/docs/wallets/banco-sabadell
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Banco Sabadell — official](https://www.bancsabadell.com/)

## Overview

**Banco Sabadell** is **one of Spain's Big-5 banks** + **subject of major 2025 BBVA acquisition offer** <sup>[1][1], [2][2], [Spain report](https://docs.barcoder.ai/docs/payments/ES)</sup>. **2025 timeline**: **Sep 5, 2025 Spanish stock market regulator authorized BBVA's takeover bid + take-up periods Sep 8 - Oct 7, 2025 + revised bid Sep 25 - Oct 10, 2025** (1 newly issued BBVA share + €0.70 cash + 10% offer increase + enhanced tax treatment for shareholders).

**Distinctive Banco Sabadell positioning** <sup>[1][1], [3][3], [4][4]</sup>:
- **Spain Big-5 bank** (alongside Santander + BBVA + CaixaBank + Bankinter)
- **2025 BBVA acquisition target**: Distinctive Spanish banking consolidation moment
- **Sep 5, 2025**: Spanish stock market regulator authorized BBVA's takeover bid for Banco Sabadell
- **Sep 8 - Oct 7, 2025**: First take-up period for Banco Sabadell shareholders
- **Sep 25 - Oct 10, 2025**: Revised bid period (1 newly issued BBVA share + €0.70 cash; +10% offer increase + enhanced tax treatment)
- **Spain's antitrust body cleared BBVA-Sabadell takeover** May 1, 2025
- **TSB (UK subsidiary) divestment**: Sabadell sold TSB to Santander UK 2025 — distinctive Spanish-UK banking consolidation prep

## History

**1881 — Banco de Sabadell founded** in Sabadell, Catalonia, Spain — distinctive Catalan banking heritage.

**1996 — Banco Sabadell stock-listing IPO** on BME (BME: SAB).

**2000 — Sabadell acquires Banco de Asturias**.

**2004 — Sabadell acquires Banco Atlántico**.

**2007 — Sabadell acquires Banco Urquijo**.

**2013 — Sabadell acquires Banco Gallego + Banco Mare Nostrum (BMN; partial)**.

**2015 — Sabadell acquires TSB Bank (UK)** — distinctive UK banking expansion.

**2025 — Sabadell sells TSB to Santander UK** — distinctive Spanish-UK banking consolidation prep.

**May 1, 2025 — Spain's antitrust body clears BBVA-Sabadell takeover** <sup>[3][3]</sup>.

**September 5, 2025 — Spanish stock market regulator authorized BBVA's takeover bid for Banco Sabadell** <sup>[2][2]</sup>.

**September 8 - October 7, 2025 — First take-up period** for Banco Sabadell shareholders <sup>[1][1]</sup>.

**September 25 - October 10, 2025 — Revised bid period** (1 newly issued BBVA share + €0.70 cash; +10% offer increase + enhanced tax treatment) <sup>[2][2]</sup>.

## Ownership & operator

**Operating entity**: **Banco de Sabadell S.A.** (BME: SAB; BBVA acquisition Sep-Oct 2025).

**Major shareholders**: **David Martínez Guzmán (~3.86%) + BlackRock + Vanguard + various Spanish institutional + BME public float** (widely held; BBVA acquisition in progress 2025).

**Regulators**: **BdE (Banco de España) + CNMV (Comisión Nacional del Mercado de Valores) + ECB + per-country**.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Banco Sabadell app (iOS + Android; primary ES retail-banking mobile channel) + Banco Sabadell Online + Banco Sabadell cards (Visa + Mastercard) + Banco Sabadell branch network |
| **Identifiers** | Phone + email + card number + DNI |
| **ES rails** | **[Bizum](https://docs.barcoder.ai/docs/standards/bizum) + SEPA Instant Credit Transfer** (Spanish national P2P payment + EU SEPA Instant) |
| **License** | Bank (Banco Sabadell full Spanish banking license; Spain Big-5 bank; BBVA acquisition in progress 2025) |
| **Sub-products** | Banco Sabadell Account + Banco Sabadell Cards + Banco Sabadell Crédito + Banco Sabadell Mortgages + Banco Sabadell Investments + Banco Sabadell Insurance + Banco Sabadell for Business + Sabadell Mexico (Mexican subsidiary) + Sabadell US (US subsidiary) + Sabadell France + Sabadell Andorra + Sabadell IBM (Sabadell + IBM tech JV) |
| **Distinctive 2025 BBVA acquisition**: Sep 5 2025 Spanish stock market regulator authorization + Sep 8 - Oct 7 first take-up period + Sep 25 - Oct 10 revised bid period (1 newly issued BBVA share + €0.70 cash + 10% offer increase + enhanced tax treatment) |

## Users & growth

**2025 baseline** <sup>[1][1], [2][2]</sup>:
- **Spain Big-5 bank**
- **2025 BBVA acquisition target**: Sep 5, 2025 Spanish stock market regulator authorization + take-up periods Sep 8 - Oct 7 + Sep 25 - Oct 10 revised bid
- **Multi-country presence**: 6+ countries (ES + MX + US + FR + MC + AE; TSB UK sold to Santander UK 2025)
- **Specific 2025 Banco Sabadell mobile app user numbers**: not publicly disclosed in current sources

## Use cases

Spanish + multi-country (Mexico + US + France + Monaco + UAE) retail + corporate + investment + insurance banking via Banco Sabadell app + Banco Sabadell Online + cards + branches; Bizum P2P + SEPA Instant Spanish rails; Sabadell Mexico + Sabadell US + Sabadell France + Sabadell Andorra subsidiaries; Sabadell IBM tech JV; 2025 BBVA acquisition transformation in progress.

## Implementations & partners

**Operator**: **Banco de Sabadell S.A.** (BME: SAB; BBVA acquisition Sep-Oct 2025 in progress).

**Major shareholders**: **David Martínez Guzmán (~3.86%) + BlackRock + Vanguard + Spanish institutional + BME public float** (widely held; BBVA acquisition in progress 2025).

**2025 BBVA acquisition partner**: **BBVA (Banco Bilbao Vizcaya Argentaria S.A.; BME: BBVA; NYSE: BBVA; widely held)** — distinctive 2025 Spanish banking consolidation.

**Major Spanish banking competitors (pre-BBVA acquisition)**:
- **[Banco Santander (Spain parent)](https://docs.barcoder.ai/docs/wallets/santander-spain)** (Banco Santander; Spain #1 bank by total assets €836.78B; Europe's 4th largest by assets $2.251T global; ~165M global customers across 30+ countries; acquired TSB UK from Sabadell 2025)
- **[BBVA Spain App](https://docs.barcoder.ai/docs/wallets/bbva-spain)** (BBVA Group; Spain #2 bank by assets; 70M+ global clients; 27+ countries; **2025 Sabadell acquisition in progress** — distinctive Spanish banking consolidation)
- **[CaixaBank + imagin](https://docs.barcoder.ai/docs/wallets/caixabank)** (CaixaBank; Spain Big-3 bank; 12.66M digital users; imagin neobank 4M users)
- **Bankinter** + **Unicaja Banco** + **Ibercaja Banco** + **Abanca** + **Kutxabank** (Spanish banking competitors)
- **[bunq](https://docs.barcoder.ai/docs/wallets/bunq)** (EU #2 neobank)
- **[Revolut](https://docs.barcoder.ai/docs/wallets/revolut)** + **N26 Spain** + **Openbank** (Santander digital subsidiary) (Spanish digital banking competitors)

**Tech partner**: **IBM** (Sabadell IBM tech JV).

**Regulators**: **BdE + CNMV + ECB + per-country**.

## Fun facts

- **One of Spain's Big-5 banks**.
- **2025 BBVA acquisition target** — distinctive Spanish banking consolidation moment.
- **1881 founding** in Sabadell, Catalonia, Spain — distinctive Catalan banking heritage.
- **September 5, 2025 Spanish stock market regulator authorized BBVA's takeover bid for Banco Sabadell**.
- **September 8 - October 7, 2025 first take-up period** for Banco Sabadell shareholders.
- **September 25 - October 10, 2025 revised bid period** (1 newly issued BBVA share + €0.70 cash + 10% offer increase + enhanced tax treatment).
- **Spain's antitrust body cleared BBVA-Sabadell takeover May 1, 2025**.
- **2015 Sabadell acquires TSB Bank (UK)** + **2025 Sabadell sells TSB to Santander UK** — distinctive Spanish-UK banking consolidation prep.
- **Sabadell Mexico + Sabadell US + Sabadell France + Sabadell Andorra subsidiaries**.
- **Sabadell IBM tech JV**.

## Comparison

| Feature | Banco Sabadell | [Banco Santander (Spain parent)](https://docs.barcoder.ai/docs/wallets/santander-spain) (Spain #1 bank by total assets rival; ~165M global customers across 30+ countries; acquired TSB UK from Sabadell 2025) | [BBVA Spain App](https://docs.barcoder.ai/docs/wallets/bbva-spain) (Spain #2 bank by assets rival; 2025 Sabadell acquisition in progress — distinctive Spanish banking consolidation) | [CaixaBank + imagin](https://docs.barcoder.ai/docs/wallets/caixabank) (Spain Big-3 bank rival; 12.66M digital users + imagin 4M users) | Bankinter (Spain Big-5 bank rival) |
|---|---|---|---|---|---|
| Operator | **Banco de Sabadell S.A. (BME: SAB; David Martínez Guzmán ~3.86% + BlackRock + Vanguard + Spanish institutional + BME public float; BBVA acquisition in progress Sep-Oct 2025)** | Banco Santander S.A. (BME: SAN; NYSE: SAN; widely held: BlackRock + Vanguard + Capital Group + State Street + Norges Bank + institutional + BME + NYSE floats; no single controlling shareholder) | BBVA (BME: BBVA; NYSE: BBVA; widely held: BlackRock + Vanguard + Capital Group + Norges Bank + institutional + BME float) | CaixaBank S.A. (BME: CABK; Fundación Bancaria La Caixa controlling ~30% + FROB Spanish state ~17% + institutional + BME public float) | Bankinter S.A. (BME: BKT) |
| Type | **Spain Big-5 bank + 2025 BBVA acquisition target (distinctive Spanish banking consolidation) + 6+ countries (ES + MX + US + FR + MC + AE) + Sabadell Mexico + Sabadell US + Sabadell France subsidiaries** | Spain #1 bank by total assets + Europe's 4th largest bank + world's 16th-largest banking institution + 30+ countries multi-country mega-franchise + Openbank digital subsidiary + PagoNxt payment tech platform + acquired TSB UK from Sabadell 2025 | Spain #2 bank + 27+ countries + Oct 2 2025 24/7 Bitcoin trading + 70M+ clients worldwide + $900B+ AUM + **2025 Sabadell acquisition in progress** | Spain Big-3 bank + 12.66M digital users + imagin Spain's first mobile-only bank for millennials (4M users + 41% penetration 16-34) + 4.9/5 Google Play | Spain Big-5 bank |
| Country | ES + 5+ other countries | ES + 30+ other countries | ES + 26+ countries | ES + PT | ES primary |
| Users | **Spain Big-5 bank; BBVA acquisition target** | ~165M global customers; €836.78B Spanish total assets (28.55% market share); $2.251T global assets | ~70M clients worldwide; $900B+ AUM | 12.66M CaixaBank group digital users; imagin 4M users + 41% penetration | Spain Big-5 |
| Distinctive | **1881 founding in Sabadell Catalonia (Catalan banking heritage); 2015 Sabadell acquires TSB Bank (UK); 2025 Sabadell sells TSB to Santander UK; May 1 2025 Spain's antitrust body clears BBVA-Sabadell takeover; Sep 5 2025 Spanish stock market regulator authorized BBVA's takeover bid; Sep 8 - Oct 7 2025 first take-up period; Sep 25 - Oct 10 2025 revised bid period (1 newly issued BBVA share + €0.70 cash + 10% offer increase + enhanced tax treatment); Sabadell Mexico + Sabadell US + Sabadell France + Sabadell Andorra subsidiaries; Sabadell IBM tech JV** | 1857 Banco de Santander founding; 1999 Santander + Banco Central Hispano merger to BSCH; 2007 rebranded; 2008 Sovereign Bancorp US acquisition; Openbank + PagoNxt subsidiaries; acquired TSB UK from Sabadell 2025 | 1857 Banco de Bilbao; Oct 2 2025 first major Spanish bank with 24/7 Bitcoin + Ether trading; 2025 Sabadell acquisition in progress | 1904 Caja de Pensiones founding; 2011 CaixaBank S.A. spinoff + IPO; Mar 2021 CaixaBank + Bankia merger; 2016 imagin Spain's first mobile-only bank for millennials launch; CaixaBank-imagin Cashback pioneering app-based cashback program | Spain Big-5 |

## Status

**Active, one of Spain's Big-5 banks + 2025 BBVA acquisition target** <sup>[1][1], [2][2]</sup>:
- **Banco de Sabadell S.A.** (BME: SAB; BBVA acquisition Sep-Oct 2025 in progress) since 1881 (Sabadell Catalonia founding).
- **2025 BBVA acquisition timeline**: May 1, 2025 Spain antitrust clearance + Sep 5, 2025 Spanish stock market regulator authorization + Sep 8 - Oct 7 first take-up period + Sep 25 - Oct 10 revised bid period.
- **Revised bid terms**: 1 newly issued BBVA share + €0.70 cash + 10% offer increase + enhanced tax treatment for shareholders.
- **2025 Sabadell sells TSB UK to Santander UK** — distinctive Spanish-UK banking consolidation prep.
- **Sabadell Mexico + Sabadell US + Sabadell France + Sabadell Andorra subsidiaries**.
- **BdE + CNMV + ECB + per-country regulated**.

## Sources

[1]: https://www.bbva.com/en/bbva-offer-sabadell/banco-sabadell-shareholders-can-now-join-bbva-to-create-a-european-banking-leader/ "Banco Sabadell Shareholders Can Now Join BBVA to Create a European Banking Leader — BBVA"
[2]: https://www.euronews.com/business/2025/09/05/spanish-megabank-in-the-making-bbva-gets-greenlight-to-buy-up-banco-sabadell "Spanish megabank in the making: BBVA gets greenlight to buy up Banco Sabadell — Euronews Sep 5 2025"
[3]: https://www.cnbc.com/2025/05/01/spains-antitrust-body-clears-bbva-sabadell-takeover-awaits-government-.html "Spain's antitrust body clears BBVA-Sabadell takeover awaits government May 1 2025 — CNBC"
[4]: https://www.retailbankerinternational.com/news/spain-authorises-bbva-offer-sabadell/ "Spanish regulator authorises BBVA's increased offer for Sabadell — Retail Banker International"
[es-cro]: https://docs.barcoder.ai/docs/payments/ES

- [1] [Banco Sabadell Shareholders Can Now Join BBVA to Create a European Banking Leader — BBVA][1]
- [2] [Spanish megabank in the making: BBVA gets greenlight to buy up Banco Sabadell — Euronews Sep 5 2025][2]
- [3] [Spain's antitrust body clears BBVA-Sabadell takeover awaits government May 1 2025 — CNBC][3]
- [4] [Spanish regulator authorises BBVA's increased offer for Sabadell — Retail Banker International][4]
- <sup>[Spain report](https://docs.barcoder.ai/docs/payments/ES)</sup> In-corpus: `reports/countries/ES-spain.md`

## Source

Biography extracted from [banco-sabadell.md](https://docs.barcoder.ai/source/wallets/banco-sabadell). See `matrix.md` for standards-support matrix if present.