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    Aqua Más Credit Card

    The card that offers more

     

    • Even more security: protect your purchases online and offline.
    • More flexibility: split any payment exceeding €50 over 3 months without 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.

     

    Upgrade to another level of security

    Your money is better protected if there are no printed numbers

    With your Aqua Más credit card you can be sure that no other person can use it, because only you will be able to see its details from your BBVA app.

    Online purchases are more enjoyable when they are worry-free

    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. 

    Plus, if your purchase doesn't arrive, is faulty or just isn't suitable, we will help you manage your claims with the store for up to 180 days after the purchase.

    Using an ATM should be as safe as going to the bank

    With BBVA you have more than 4,500 ATMs across Spain to withdraw cash on debit with no fees, and with the peace of mind of knowing that, if you ever get mugged, we will refund up to €600 (€1,200 total per card per year).

    When you're on a trip, you can't be without a card

    If you lose your Aqua Más card for any reason or it is stolen in a foreign country, in just 2 hours you'll have access to cash and, if you need it, we can send you a new card.
    Travel Pack
    New Travel Pack
    Save on fees when paying and withdrawing money abroad with your card. Enable it and disable it whenever you want from the BBVA app.
    More information

    Are you convinced of their safety?

    Apply for your Aqua Más Credit Card right here.

    Apply for card

    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 during the first year).  For example, you would repay a purchase of €1,500 over 3 monthly payments of €500.

     

    Do your accounting and repay your purchases as you prefer

    Decide every month how you prefer to organize yourself. Sometimes you would rather pay it all off and, at other times, defer it with a fixed amount or with a percentage of the total amount you've 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?

    Apply for your Aqua Más Credit Card right here.

    Apply for card

    Make sure you never get any surprises

    Turn your card on and off 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 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 you take out the Aqua Más Credit 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 finance over 12 months:
        • The first installment will be €65.19. This will only include interest and the annual credit card issuance and maintenance fee, which is €43.
        • The next 11 installments will be for €148.94 each.
        • The total amount payable will be €1,703.53 and the APR will be 25.75%.
        • If you do not have to pay the annual credit card issuance and maintenance fee, 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 credit card issue and maintenance fee starting 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 you take out the Aqua Más Credit Card with a limit of €1,500 and that same day, for example, May 1, 2022, you make a purchase for the same amount. 
        • If you choose to finance over 3 months:
          • The first installment will be €543 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 €43.
          • The next 2 installments will be for €500 each.
          • The total amount payable will be €1,543 and the APR will be 18.98%.
          • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,500 and the APR will be 0%.
        • If you choose to defer the payment over 4 months:
          • The first installment will be €472 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 €43.
          • The next 3 installments will be for €375 each.
          • The total amount payable will be €1,597 and the APR will be 37.12%.
          • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,554 and the APR will be 19.09%.
        • If you choose to defer the payment over 5 months:
          • The first installment will be €407.50 and includes part of the principal, the deferral management fee, which is 4.30% of the amount financed, and the annual credit card issuance and maintenance fee, which is €43.
          • The next 4 installments will be for €300 each.
          • The total amount payable will be €1,607.50 and the APR will be 34.08%.
          • If you do not have to pay the annual credit card issuance and maintenance fee, 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 installment will be for €368 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 €43.
          • The next 5 installments will be for €250 each.
          • The total amount payable 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 (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 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 total amount payable will be €2,268.98 and the APR will be 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 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 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 will be 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.

       

    Aqua Más Credit Card
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