Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      POS terminal advance

      The financing you repay through turnover with your POS terminal

      • It's instant and you will have it in your account in less than 24 hours.
      • You can request it whenever you need it to cover any unforeseen event in your business.
      • You will only pay a 2% fee at the start. No costs or additional interest.
      Calculate
      • For whatever you want, and in 24 hours

        Request between €1,000-€15,000, based on your POS terminal revenue, and you will have it in your account in 24 hours.
      • You repay it as you receive turnover

        And if you don't have any turnover, you don't pay anything. You have up to 150 days to repay.
      • No interest or extra costs

        You will only have to pay the 2% commitment fee for each advance you request.

      Do you want to apply for a POS Advance?

      Before applying, you can calculate the amount you need and find out how many days you can take to repay it.

      1. Select the advance amount. 
      2. Receive the money in your account in less than 24 hours.
      3. Pay it back as you receive turnover, you have up to 150 days. The daily repayment amount will be 20% of your POS turnover, so the days you do not receive turnover you will not pay anything.
      Calculate

      Here's an example: "Manuel's Bakery"

      Manuel has a bakery and needs an advance of €3,000 for improvement works and to specialize in gluten-free breads.

      How will he pay back his advance?

      With his daily POS turnover, Manuel has been automatically repaying 20%, worry-free. The days he has taken €500, he has repaid €100, and the days he has taken €50, he has repaid €10. Since he does not open on Mondays and takes no turnover, on those days he pays nothing.

      In the end, Manuel repaid his advance in 123 days.

      Calculate the amount you need for your POS Advance

      and see how many days you could take to repay it.

      Calculate

      Would you like more information?

      The more you use your POS terminal and the more revenue you have, the more you can request in the future. You can calculate the amount you need.

      It is automatically repaid since 20% of the sales you make in your store with POS is allocated to repay the debt. Remember also that if you don't take any revenue on a given day, you won't pay anything.

      You need to be a BBVA customer (for at least 2 years) with access to Online Banking and have a POS terminal contract for more than 6 months

      A 2% commitment fee for each drawdown you make. No costs, cancellation fees or additional interest. NIR 0%, APR 10.295%.


      Example: Assuming an advance of 3,000 euros for a store with POS terminal sales of 100 euros a day over 150 days; The initial fee will be 60 euros, and 20 euros will be deducted daily from your turnover to pay back the advance. Calculated based on the effective loan amount and the terms of the contract, in accordance with Bank of Spain Circular 5/2012 of June 27. The Annual Percentage Rate (APR) of the transaction is 10.295% (NIR 0%)

      It is only possible to have one advance at any given time. If you need another, you will first have to finish repaying the one you already have in progress.

      You have up to 150 days to automatically repay the advance.

      If at the end of the 150-day term there is still an amount outstanding, the corresponding amount will be charged to your associated account (if you have sufficient balance) with no interest or penalties.

      No. You can apply 100% online without paperwork and without having to travel.
      POS terminal advance
      Apply
      Offer valid during current month
      1. POS terminal
      2. POS terminal advance
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