BBVA Después Card

A fee will be charged for cash withdrawals on credit at ATMs in the following cases:

• ATMs of the BBVA group in Spain: 4% (€4 minimum)
• ATMs of banks other than the BBVA Group in Spain: for cash withdrawals in euros on credit made 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 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. 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 of 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 on debit in euros 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 of Spain: 4.5% (minimum €3).

With the personalized paymentrevolving, 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 revolving payment with interest:

• Interest rate: 18% annually.
• Credit limit: €1,500. 
• Annual credit card issuance and maintenance fee: €43. See if your account contract allows you to waive this fee.

You take out the Después Card with a limit of €1,500. That same day, for example, May 1, 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 installment will be for €65.19, which includes only 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% (19.56% NDER).
• 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%.

Personalized payment example revolving with fee:

• Deferral fee: 2.9%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months). 
• Interest rate: 0% yearly.
• Credit limit €1,500. 
• Yearly credit card issue and maintenance fee: €43. See if your account contract allows you to waive this fee.

Below are some examples of personalized revolving payment methods with a fee from 3 to 6 months, as they represent the maximum and minimum APRs, respectively. The NIR is 0% in every case

You take out the Después Card with a limit of €1,500.  That same day, for example, May 1, 2020, 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 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%.

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

• The first installment will be for €586.50 and includes part of the principal, the deferral management fee, which is 2.9% 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 €1,586.50 and the APR will be 41.99%
• If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,543.50 and the APR will be 19.23%. 

The settlement period starts on the 20th of the month and ends on the 20th of the following month. 

On the 20th of each month, a bill is issued for the total of all the purchases you made with your credit card during this period. If the 20th is not a business day, it will be issued on the preceding business day. 

You can choose the bill charge date: the 21st of the settlement month or the 5th of the following month, and you can change it at any time. Although if you opted for deferred payments, you will have to pay interest from the settlement date until the payment date.

If you change the debit date before the 20th of the month, it will take effect in that month's settlement. If you change it between day 20 and 30 of the month, the change will take effect in the settlement for 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 on the 5th of the following month.

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.

Open document.

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

See document