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    Enjoy first and decide how to pay later

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

    From now on, you will have more freedom to decide, because with the Aqua Más card you will be able to pay for any purchases over €50 in 3 monthly installments without costing you anything in interest or fees (0% NIR, 0% APR). For example, you would repay a purchase of €1,500 over 3 monthly payments of €500.

    Are you convinced by its flexibility?

    Apply for your Aqua Más Credit Card right here.

    Apply for card

    Upgrade to another level of security

    Aqua Más Card. Your security comes first

    • More secure. The card number and CVV code are no longer printed on it. Only you can see the card numbers in the BBVA app.
    • Dynamic CVV. Every time you pay for something online, you will receive an exclusive CVV code from the BBVA app to confirm the transaction within a few minutes.
    • Claims in stores. And if your purchase doesn't arrive, is faulty or just isn't right for you, we will help you process your claims with the store for up to 180 days after the purchase.

    Are you convinced of their safety?

    Apply for your Aqua Más Credit Card right here.

    Apply for card

    Make sure you never get any surprises

    Manage your card from the app

    • Activate and deactivate your card whenever you want. You can't find your Aqua card? 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 committed to sustainability

    Plastic should be an option

    The Aqua Más card supports you with your commitment to protecting the environment because it is made with recycled plastic and, even better, because you can have a digital version and pay with your cell phone.

     

    You want it, right?

    Logical. Apply for your Aqua Más Credit Card 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 pay for any purchase made with the card or the monthly amount owed in installments, 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, only the deferral fee is charged.

      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: 21.60% annually. Credit limit: €1,500.

      • If you take out the Aqua Más Credit Card with a limit of €1,500 and that same day, for example, November 12, 2023, you make a purchase for the same amount, this is what you would have to pay if you choose to finance over 12 months:
        • The first installment will be for €15.98. It will only include interest.
        • The following 11 installments will be for €151.53 each.
        • The total amount payable will be €1,682.81 and the APR will be 23.87%.
      Example of personalized payment with fee:

      Deferral fee: 0%, 4.3%, 5.2% or 6% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

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

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

      • If you take out the Aqua Más Credit Card with a limit of €1,500 and that same day, for example, November 12, 2023, you make a purchase for the same amount. 
        • If you choose to finance over 3 months:
          • You will pay 500 euros a month for three months. 
          • The total amount payable will be €1,500 and the APR will be 0%.
        • If you choose to defer the payment over 4 months:
          • The first payment will be for €64.50, which only includes the deferral fee, which is 4.3% of the amount financed.
          • The following 4 installments will be for €375 each and include only principal.
          • The total amount payable will be €1,564.50 and the APR will be 18.43%.
        • If you choose to defer the payment over 5 months:
          • The first payment will be for €78, which only includes the deferral fee, which is 5.2% of the amount financed.
          • The following 5 installments will be for €300 each and include only principal.
          • The total amount payable will be €1,578 and the APR will be 19.41%.
        • If you choose to finance over 6 months:
          • The first payment will be for €90, which only includes the deferral fee, which is 6% of the amount financed.
          • The following 6 installments will be for €250 each and include only principal.
          • The total amount payable will be €1,590 and the APR will be 19.80%.

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

    Deferred payment (revolving) 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 a NIR of 21.60% and you choose to make a fixed monthly payment of €46.93, you would have to pay:

      • 48 monthly payments of €46.93. 
      • The total amount payable will be €2,252.83 and the APR will be 24.15%.

      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, November 12, 2023, you make a purchase for €1,500 and choose to make payments of €38 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 21.60%, would be €2,136.11. The APR will be 23.86%.

      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.

      *Offer valid during current month.

    Aqua Más Credit Card
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