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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    Experiences

    • Bank Moving Service

      Bank Moving Service

      Switch to BBVA and we'll handle all the paperwork for you

    • Try out BBVA without being a customer

      Try out BBVA without being a customer

      Discover the features of the BBVA app without opening an account.

    • Bizum

      Bizum

      Send and receive money from your phone instantly. As easy as sending a message.

    • My everyday operations

      My everyday operations

      Track your income and expenses, organized by categories and subcategories.

    • Mobile payment

      Mobile payment

      Leave your wallet at home and pay for everything with your cell phone.

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      BBVA Valora

      We'll help you evaluate the price of a car, a home and much more.

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      ADVERTISING
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      Woman working on her laptop

      Deferred expense payment

      A new way to defer your taxes, debit card purchases, bills and transfers

      Purchases and taxes for more than €50. 

      Bills over €300 that do not come from financial customers. 

      Some transfers for more than €300.

      • No issue or maintenance fee. 
      • With no cancellation fee. 
      • You pay a single fee for each deferred purchase.

      How does it work?

        • The first time, you will need to apply for your credit limit.
        • Then, you just have to check the charge you want to defer and choose the payback period from those offered.
        • Once you apply, the amount of the charge selected will be paid into your account and you will pay back the deferred amount over the period you have chosen. 
        • Each charge deferred will be subtracted from your available limit.
        • This limit will be reset as you make the monthly payments on the deferral, or if you cancel it early.

        You will be able to defer as many payments as you like, as often as you like, provided that:

        • Debit card purchases for more than €50.
        • Taxes for more than €50.
        • Payments over €50 via Bizum.
        • Bills for more than €300 that do not come from financial customers. 
        • Some transfers for more than €300. 
        • The payment was made less than 90 days ago.
        • You don't exceed the credit limit you have available at the time.

        You can select up to 5 transactions in a single deferral operation (you can defer additional transactions if you need to. The total fee will be the same as if you deferred them all at once).

        And you can cancel it any time at no additional cost.

      How do I open one?

        • Through the BBVA app and website.
        • Payments that can be deferred feature the "Installments available" label. Click on the label to see how to apply.
        • When you apply, we will review your credit rating and assign you a payment deferral limit (up to €1,200).

      You might also be interested in

      • Aqua Más Credit Card

        Even more secure

        Aqua Más Credit Card

        • More secure, with no printed numbers.
        • Better protection for your online and offline purchases.
        • Defer any payment over 3 months with no interest (0% NIR, 0% APR for the first year). For example, you would repay a purchase of €1,500 over 3 monthly payments of €500. 
        Sustainable product
        More information
        Apply
      • Family in the kitchen checking their instant loan on the computer

        Personal Online Loan

        Turn your projects into reality Request up to €75,000 in less than 3 minutes.
        More information
        Start calculation
      • Woman on the phone after her car broke down

        Paycheck Advance Loan

        Deal with unexpected expenses by getting up to a €3000 advance on your paycheck, and pay it back in 6 months.
        More information
        Apply

      Discover our credit cards

      • BBVA Después Card.
      • BBVA Después Gold Card.
      • Repsol más Visa Crédito card.
      • Repsol más Platinum Visa card.
      • Vía T Card.
      • BBVA Viajes+ Card.
      • Iberia Classic Card.
      • Iberia Icon Card.
      • Renfe Dorada Card.
      • BBVA Infinite VISA Card.
      • Después Young Person's Card.
      • BBVA credit cards.
      • Go to BBVA Cards category.

      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Your bank on your smartphone with the BBVA app

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      Offer valid during current month
      1. Cards
      2. Deferred payment for debit card purchases
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