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    Aqua Más Credit Card

    The card that addition

     

    • Even more security: protect your purchases in and out of Internet.
    • More flexibility: break up any payment higher than €50 in 3 months without interests (0% NIR, 0% APR) during the first year. For example, you would repay a purchase of €1,500 over 3 monthly payments of €500.

     

    Go up to another safety level

    Your money is more protected if are not printed numbers

    With your credit card Aqua More will have the security of that no other person can use it, because just you will be able to consult your details from your app BBVA.

    The online purchases enjoy more without worries

    Whenever you go to pay something in Internet, you will obtain from the BBVA app a code CVV exclusively for confirm that operation during few minutes. 

    And moreover, if your purchase not arrives, arrive with some imperfection or simply not convinces you, we will help you to manage the complaint with the trade until 180 days later of the purchase.

    Use an ATM should be so sure as going to the bank

    With BBVA you have more than 4,500 ATMs distributed by the Whole of Spain for withdraw debit ready cash without pay fee and with the peace of mind of know that, if suffer a mugging, we will refund you until € 600 (in all €1,200 for card and year).

    When are on a trip, not you can be without card

    If for whatever reason lose or they steal you your card Aqua More being in other country, in only 2 hours will have access to ready cash and if, need it, we will send you a new card.

    You convinces your security?

    Requests your credit card Aqua More from right here.

    Apply for card

    Enjoys first and decides how pay later

    If like, be it to you. You can finance it over 3 months, interest-free.

    From now on have more freedom to decide, because with the card Aqua More will be able to pay any expense higher than €50 in 3 monthly terms without it costs you nothing in interests nor fees (0% NIR, 0% APR) during the first year.  For example, you would repay a purchase of €1,500 over 3 monthly payments of €500.

     

    Do your accounts and return what spend as better avenges you

    Every month will decide how you prefer to organize you. Some times will come you better pay it all in one go and, other, postpone it with a fixed amount or with a percentage of the total that have spent.
    See options for financing purchases

    Do you want to see how much you would pay per month if you finance a purchase?

       
    Calculate your monthly payment

    Are you convinced by its flexibility?

    Requests your credit card Aqua More from right here.

    Apply for card

    Make sure of not run away with never surprises

    Turn your card on and off whenever you want

    Not find your card Aqua? No more stress, simply turn it off from the BBVA app and then back on again whenever you want.

    Keep all your payments under control

    We'll send you a notification every time you use your card. If something unusual happens, you'll know right away.

    And bets for the sustainability

    The plastic should be an option

    The card Aqua More supports you in your commitment with the environmental protection because she is done with recycled plastic and, still better, because can have the digital version and pay with the cell phone.

     

    The want, truth?

    Logical. Requests your credit card Aqua More from right here.

    Apply for card

    Get answers to all your questions

    Information on deferred purchases

    Interest or deferral fee of the Personalized Payment

    • What is the interest on a deferred purchase or bill (personalized payment)?

      With the personalized payment, you can defer the payment of any purchase made with the card or the monthly amount owed, provided this amount is at least €50.

      The monthly payments will be for a fixed amount (which includes principal and interest if it is a personalized payment with interest, or principal and fees if it is a personalized payment with fee) and will depend on the term you choose, from a minimum of 3 months to a maximum of 36 months. This amount will be charged to the account on the 5th of each month. 

      The first payment in both cases is different:

      • For a personalized payment with interest, it only includes interest.
      • For a personalized payment with fee, a deferral fee is also included.

      Once you take out the card, you can use both the BBVA app and bbva.es to calculate your monthly payment based on the repayment period you choose.

      Example of personalized payment with interest:

      Interest rate: 18% annually. Credit limit: €1,500.

      Yearly credit card issue and maintenance fee starting the second year: €43. See if your account contract allows you to waive this fee.

      • If contracts the Credit card Aqua More with a limit of 1,500 €and that same day, for example on May 1, 2022, do a purchase with the same amount, this is what would have to pay if choose break up in 12 months:
        • The first fee will be of €65.19. It will include only interests and the yearly fee by issuance and maintenance of a credit card, that is of €43.
        • The next 11 installments will be for €148.94 each.
        • The amount payable sum will be € 1,703.53 and the APR will be 25.75%.
        • If not had to pay the yearly fee by issuance and maintenance of a credit card, the total amount will be €1,660.53 and the APR will be 19.52%.
      Example of personalized payment with fee:

      Interest rate: 0% yearly. Credit limit €1,500.

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

      Yearly fee by issuance and maintenance of a credit card from the second year: €43. See if your account contract allows you to waive this fee.

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

      • If hire the Card of crédio Aqua More with a limit of 1,500 €and that same day, for example on May 1, 2022, do a purchase with the same amount. 
        • If you choose to finance over 3 months:
          • The first fee will be of €543, includes the pivotal part of and the management fee of deferment, that is of 0% of the financed amount and the yearly fee by issuance and maintenance of a credit card, that is of €43.
          • The next 2 installments will be for €500 each.
          • The amount payable sum will be €1,543 and the APR will be 18.98%.
          • If not had to to pay the yearly fee by issuance and maintenance of a credit card, the total amount will be €1,500 and the APR will be 0%.
        • If choose break up in 4 months:
          • The first fee will be of €472, includes the pivotal part of and the management fee of deferment, that is of 3.60% of the financed amount and the yearly fee by issuance and maintenance of a credit card, that is of €43.
          • The next 3 installments will be for €375 each.
          • The amount payable sum will be €1,597 and the APR will be 37.12%.
          • If not had to to pay the yearly fee by issuance and maintenance of a credit card, the total amount will be 1,554, €and the APR will be 19.09%.
        • If choose break up in 5 months:
          • The first fee will be of €407.50, includes the pivotal part of and the management fee of deferment, that is of 4.30% of the financed amount and the yearly fee by issuance and maintenance of a credit card, that is of €43.
          • The next 4 installments will be for €300 each.
          • The amount payable sum will be €1,607.50 and the APR will be 34.08%.
          • If not had to to pay the yearly fee by issuance and maintenance of a credit card, the total amount will be €1,564.50 and the APR will be 19.07%.
        • If you choose to finance over 6 months:
          • The first fee will be of €368, includes the pivotal part of, the management fee of deferment, that is of 5% of the financed amount and the yearly fee by issuance and maintenance of a credit card, that is of €43.
          • The next 5 installments will be for €250 each.
          • The amount payable sum will be €1,618 and the APR will be 31.96%.
          • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,575 and the APR will be 19.07%.

       

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

       

    Deferred payment interest

    • Example of deferred payment with fixed amount:

      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 an 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 amount payable sum will be of €2,268.98 and the APR will be of 24.72%.

      The calculation of the APR and the total amount payable takes into account the €43 card issuance and maintenance fee, which is charged annually.

      IMPORTANT: With the system of on sale of the credit card Aqua More, not always is possible the repayment of the credit in 48 constant monthly fees, because the minimum amount to amortize is of 3% of the drawn down balance. 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 euros and choose to make payments of €37.87 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,191.33. The APR be of 25.78%.

      The calculation of the APR and the total amount payable takes into account the €43 card issuance and maintenance fee, which is charged annually in the month when the card is issued. This fee is part of the balance financed.

      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.

       

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