Interest rate: 18% annually.

Credit limit: €1,500.

No annual fee for issuing and maintaining a credit card.

You take out the Aqua Más Card with a limit of €1,500 and that same day, for example, May 1, 2022, you make a purchase for the same amount and choose to pay it over 12 months. This is what you would have to pay:

• The first installment will be for €22.19, which includes only interest and the annual credit card issuance and maintenance fee, which is €0.
• The next 11 installments will be of €148.94 each.
• The total amount payable will be €1,660.53 and the APR will be 19.52%.

Deferral fee: 0%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

Interest rate: 0% annual. 

Credit limit of €1,500.

No annual fee for issuing and maintaining a credit card.

Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in all cases.

You take out the Aqua Más Card with a limit of €1,500 and that same day, for example, May 1, 2022, you make a purchase for the same amount. This is what you would have to pay:

If you choose to defer the payment over 6 months

• The first installment will be for €325 and includes part of the principal, the deferral management fee, which is 5% of the amount financed, and the annual credit card issuance and maintenance fee, which is €0.
• The next 5 installments will be of €250 each.
• The total amount payable will be €1,575 and the APR will be 19.07%.

If you choose to defer the payment over 5 months

• The first installment will be for €364.50 and includes part of the principal, the deferral management fee, which is 4.3% of the amount financed, and the annual credit card issuance and maintenance fee, which is €0.
• The next 4 installments will be for €300 each. 
• The total amount payable will be €1,564.50 and the APR will be 19.07%.

If you choose to defer the payment over 4 months

• The first installment will be for €429 and includes part of the principal, the deferral management fee, which is 3.6% of the amount financed, and the annual credit card issuance and maintenance fee, which is €0.
• The next 3 installments will be for €375 each.
• The total amount payable will be €1,554 and the APR will be 19.09%.

If you choose to defer the payment over 3 months

• The first installment will be for €500 and includes part of the principal, the deferral management fee, which is 0% of the amount financed, and the annual credit card issuance and maintenance fee, which is €0.
• The next 2 installments will be for €500 each.
• The total amount payable will be €1,500 and the APR will be 0%.

This system applies only to each specific settlement for which it is requested.

This example complies with the information requirements of Order EHA/1718/2010, which governs and controls the advertising of banking services and products, the conditions of which may not correspond to those of the contract.

If you make a purchase for €1,500 with a NIR of 17.52% and you choose to make a fixed monthly payment of €43.69, you would have to pay:

• 48 monthly payments of €43.69.
• The total amount payable will be €2,096.98 and the APR will be 18.84%

The calculation of the APR and the total amount payable takes into account the €0 card issuance and maintenance fee

IMPORTANT: With the settlement system of the Aqua Más credit card, it isn't always possible to repay the credit in 48 equal monthly installments because the minimum amount payable is 3% of the balance drawn. This means that every month, you will pay the higher of the following amounts:

• The selected payment, consisting of principal, interest and fees.
• Or 3% of the credit drawn before settlement, plus the interest and fees for the period.

If you get this card and on the same day, for example, May 1, 2022, you make a purchase for €1,500 and choose to make payments of €36.90 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,018.20. The APR will be 18.99%.

The calculation of the APR and the total amount payable takes into account the €0 card issuance and maintenance fee, which is charged annually in the month when the card is issued.

Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.

When you withdraw cash on debit, that is, money available in your associated account, you will have to pay these fees:

• BBVA ATMs in Spain: 0%.
• ATMs of other banks in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the cash is dispensed.
• ATMs outside Spain: 4.5% (minimum €3).

When you withdraw cash on credit, that is, money from your card's credit, you will have to pay these fees:

• BBVA ATMs in Spain: 4% (minimum of €4).
• ATMs of other banks in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the cash is dispensed. The fee for withdrawing cash on credit at BBVA ATMs in Spain will also be added.
• ATMs outside Spain: 5% (minimum €3).

A fee of 3% will be applied to the equivalent amount in euros for any transactions you make outside the eurozone, based on the exchange rate in effect for the payment systems on the corresponding settlement date.

Before withdrawing cash, the corresponding fees will always be displayed on the ATM screen.