A fee will be charged for cash withdrawals on credit at ATMs in the following cases: ATMs of the BBVA GROUP in Spain : 1.75% (€1.5 minimum). ATMs of banks other than the BBVA Group in Spain: for cash withdrawals in euros on credit by card at ATMs belonging to banks that are not part of the BBVA Group in Spain, BBVA will charge the same amount as the fee it is charged by the bank that owns the ATM. This amount will be provided by the bank that owns the ATM before the cash withdrawal. Likewise, BBVA will charge the fee for cash withdrawals on credit stipulated for BBVA Group ATMs in Spain. This fee is in addition to the fee charged by BBVA. ATMs located outside Spain : 5% (minimum €3). A fee will be charged for cash withdrawals on debit at ATMs in the following cases: ATMs of the BBVA GROUP in Spain : 0%. ATMs of banks other than the BBVA Group in Spain: when withdrawing cash in euros on debit by card at an ATM belonging to a bank other than the BBVA Group in Spain, BBVA will charge the same amount as the fee that the bank which owns the ATM charges BBVA. This amount will be provided by the bank that owns the ATM before the cash withdrawal. ATMs located outside Spain : 4.5% (minimum €3).

What is the settlement period and when is the monthly bill charged to the account?

The settlement period starts on the first business day and ends on the last business day of the month. On the last day (30th or 31st), a bill is issued for the total of all the purchases you made with your credit card during this period. The bill is charged to the account on the 5th of the following month. Deferred payments are settled on the last business day of the month. This day (30th or 31st), the bill corresponding to the settlement is issued, and then charged to the account. The settlement period starts on the first business day and ends on the last business day of the month: The 5th of the following month.

How will I know how much I have spent?

Every month you will receive a statement detailing all the payments and cash withdrawals on credit you made with the card.

Can I request more associated cards?

Yes, you can request additional cards for other users. These cards will be associated to the same account and will share your same credit limit.

What is the fee for using the card outside the eurozone?

For purchases in currencies other than the euro, no commission will be charged on the first €300 per month. A commission of 3% will be charged on the equivalent amount in euros, based on the exchange rate obtained by the Payment Systems on the date of settlement, for purchases in currencies other than the euro exceeding €300 per month and for all cash withdrawals abroad. If you prefer to forget about limits, you can activate one of the available Pack Viajes plans. From just €2.99/month you can increase your limit and make cash withdrawals without fees. You can turn it on and off whenever you want.

Pre-contractual information document for payment services

By law, we have to provide you with a standard document with the pre-contractual information on payment services to help you better understand its main features and so you can compare with other cards and make an informed decision.

See the European regulation, PSD2, on electronic payment services here.

BBVA Employees Después Gold Credit Card

Q: Does it have an issue and maintenance fee?

The BBVA Employee Después Gold credit card has a yearly issue and maintenance fee of €0 for the account holder and €0 for other authorized users.

More than 6,000 BBVA ATMs at your disposal.
Accident insurance up to €760,000.
Travel insurance.

Pay for your card expenses however you like

With the Después Gold credit card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

Full payment: pay your monthly credit card bill on the 5th of the following month.

Deferred revolving payment: pay a fixed amount of the bill on the 5th of the following month, with interest.

Defer any purchase instantly

Customised payment lets you defer your monthly card payment or any purchase of at least €50. You can choose from 3 to 6 months (with fee) or from 7 to 36 months (with interest). Calculate your payment in the app or at bbva.es.

You can also use it with your cell phone

Pay in stores or withdraw cash at ATMs using only your mobile phone or smartwatch. Add your card to BBVA Pay, Apple Pay, Google Pay or Samsung Pay.

With the advantages of being with BBVA

With the Después Gold credit card you also have other benefits:

Get notifications on your phone and turn your cards off and on whenever you want.

Whenever you make a payment or withdraw cash from an ATM, we will send you a notification through the BBVA app so that you can review your daily spending and make sure only you are using your card.

If you ever need to, you will be able to temporarily deactivate your card, or cancel it completely, by simply going into the BBVA app or at BBVA.es.

ATM theft insurance

If you are robbed at an ATM, the insurance will cover up to €600 per event, up to a maximum of €1,200 per card per year.

See details of the insurance

And with BBVA Mobile Pay, Google Pay, Samsung Wallet and Apple Pay

You will be able to use your phone to pay in shops that accept contactless technology, in online stores and in apps, comfortably, securely and without having to enter your card details.

BBVA cards accompany you on your travels

With BBVA cards, you can make purchases abroad in currencies other than the euro without fees, up to a maximum of €300 per month with the Pack Viajes Esencial included with your card. You can also activate one of the Pack Viajes plans starting at €2.99 per month to avoid all fees.

Find out more

Apply for the BBVA Después Gold credit card

Would you like more information?

The BBVA Employee Después Gold credit card has a yearly issue and maintenance fee of €0 for the account holder and €0 for other authorized users.

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

With the personalized payment, you can split 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, 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: 7.16% a year.

Credit limit: €1,500.

You take out the Employee Después Gold credit card with a limit of €1,500. That same day, for example, April 15, 2024, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay:

The first payment will be for €4.41 and it only includes interest.

The next 11 installments will be for €141.29 each.

The total amount payable will be €1,558.60 and the APR will be 7.35%.

Example of personalized payment with fee:

Deferral fee: 1.4%, 1.7%, 2% or 2.25% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

Credit limit: €1,500.

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

You take out the Employee Después Gold card with a limit of €1,500. That same day, for example, April 15, 2024, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay:

The first payment will be for €33.75, which only includes the deferral fee, which is 2.25% of the amount financed.

The next 6 installments will be for €250 each.

The total amount payable will be €1,533.75 and the APR will be 7.02%.

If you choose to defer it over 5 months, this is what you will have to pay:

The first payment will be for €30, which only includes the deferral fee, which is 2% of the amount financed.

The next 5 installments will be for €300 each.

The total amount payable will be €1,530 and the APR will be 7.13%.

If you choose to defer it over 4 months, this is what you will have to pay:

The first payment will be for €25.50, which only includes the deferral fee, which is 1.70% of the amount financed.

The next 4 installments will be for €375 each.

The total amount payable will be €1,525.50 and the APR will be 7.05%.

If you choose to defer it over 3 months, this is what you will have to pay:

The first payment will be for €21, which only includes the deferral fee, which is 1.40% of the amount financed.

The next 3 installments will be for €500 each.

The total amount payable will be €1,521 and the APR will be 6.96%.

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

What interest do deferred revolving payments have?

With a deferred revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.

Interest rate: 7.16% a year.

The monthly payment settlement date is the last business day of each month. On the 5th of the following month, you will pay a fixed monthly amount that includes principal, interest and fees.

The minimum monthly amount is €12, and you can choose any higher amount.

The payment chosen is used to pay the interest and agreed expenses first, and then to repay the loan or the balance you draw down. Because of this, selecting lower payments could lead to a smaller proportion of the principal being repaid every month.

Once you take out the card, you can use both the BBVA app and bbva.es to calculate the repayment period based on your chosen payment method, as well as the total interest payable, if any.

You can also use the Bank of Spain's revolving card simulator to calculate the approximate total card payment or the final payment date, based on the expense and the payment method chosen.

Remember that you can change the payment method for your card whenever you want.

Example of deferred revolving payment with fixed payment

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 7.16% and you choose to make a fixed monthly payment of €36.03, you would have to pay:

48 monthly payments of €36.03.

The total amount payable will be €1,729.44 and the APR will be 7.50%.

IMPORTANT: With the settlement system of the BBVA Employee Después Gold 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 fee, made up 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, April 15, 2024, you make a purchase for €1,500 and choose to make payments of €32 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 7.16%, would be €1,703.46. The APR will be 7.35%.

BBVA Online Banking

Can you imagine having everything you need from your bank on your cellphone? With the BBVA app you have that.

Find out about all of BBVA's procedures and tools that are available on your cell phone to make your day-to-day life easier.

More information

Your bank on your smartphone with the BBVA app

Employee Después Gold Credit Card