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Click&Pay credit limit: paying taxes, salaries and providers

Click&Pay credit limit: paying taxes, salaries and providers

If you are self-employed or own an SME, you can finance your business' common payments. A credit limit you can use to make drawdown requests with just one click.

  • Pay taxes, payroll, social security, suppliers or imports.

  • Up to €25,000.

  • Choose how much money you want to have available during the year and then request the amounts as you need them.

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Click&Pay is a credit limit that enables self-employed workers and SMEs to make drawdowns, in the form of loans repaid on a monthly basis, in order to cover their business' most common payments.

How does it work?

  • Set an annual limit* at any BBVA branch or from the BBVA app if you are self-employed. Only if you need it.
  • You make drawdowns of your limit:
    • Drawdown requests can be made at your BBVA branch or via bbva.es or the BBVA app if you are self-employed. If you own an SME, you can do so via BBVA Net cash or the BBVA Net cash app.
    • Yo do not have to provide payment slips. Nevertheless, the payments or transfers that justify, in each case, the purpose of the drawdown must appear in your account.
    • Each draw-down has a fee and a maximum repayment term depending on the purpose.
    • Your available limit will decrease or increase according to the draw-downs and repayments that you make.
  • Here's an example:
    • Your annual credit limit is €15,000. 
    • One day you draw down €2,400 to pay a national supplier.
    • You will have a maximum term of repayment of 3 months. You can reduce the above-mentioned term, but not increase it.
    • If you have chosen the maximum term, you will pay €800 every month (€800 x 3 months = €2,400). 
    • The commitment fee will be €30 (1.25% x €2,400), which you pay when making the drawdown.
      (APR 7.78%)
    • Once you have made the drawdown your limit will be €12,600, and as you pay off the instalments it will increase until the initial amount is recovered, supposing that you do not make more drawdowns.

* Any limits set using the app do not require the presence of a notary. When set at a branch, it is signed in the presence of a notary.

  • You can enjoy a credit limit from €2,000, renewed every year.
  • You can make drawdowns for the following purposes:
    • Tax payment: IVA/IGIC, Corporation Tax and Personal Income Tax.
    • Paying domestic and foreign suppliers.
    • Social Insurance
    • Salaries. 
  • About drawdowns:

    • The amount of each drawdown cannot be lower than €600 or higher than the available limit.
    • Drawdown requests can be made via bbva.es or the BBVA app if you are self-employed, or through BBVA Net cash or the BBVA Net cash app if you own an SME. And of course, you can also do so at your branch, whichever way is most convenient for you.
    • Depending on the destination, each drawdown will have a maximum repayment period, and depending on that period, a fee on the drawdown, with no interest rate:

Purpose of the financing
Maximum term of repayment (months)
Corporation Tax and Personal Income Tax
6
Import payment for goods and services
4
Payment to national suppliers
3
IVA/IGIC
3
Social Insurance
1
Paychecks
1
If you choose this term (months)
This fee will be applied to the drawdown
6
2.00%
5
1.75%
4
1.50%
3
1.25%
2

1.00%

1
0.50%
  • We charge you each monthly installment on the same date you made the draw-down.

Validity of offer:

The Click&Pay Credit Limit and subsequent drawdown requests require prior approval from BBVA. Every application has terms and conditions and repayment periods that you can see at any of our branches and at bbva.es. 

Offer valid until August 31, 2019 for companies with an annual turnover below 5 million euros.

  • Credit limits set via the app are not subject to limit analysis, maintenance or novation fees. These fees are negotiable for credit limits agreed in-branch.
  • There is no renewal fee for credit limits agreed using the App as these types of limits are non-renewable. However, renewal fees for credit limits agreed in-branch are negotiable as these types of facilities are renewable.
  • Start-up fee of the draw-down: it is a percentage on the amount of each approved withdrawal request, with a minimum of €30. We charge you for it at the time you carry it out.
  • The financing interest rate of each drawdown is 0%. The APR will depend on the purpose of the drawdown and the chosen term of repayment.

Validity of offer:

The Click&Pay Credit Limit and subsequent drawdown requests require prior approval from BBVA. Every application has terms and conditions and repayment periods that you can see at any of our branches and at bbva.es. 

Offer valid until August 31, 2019 for companies with an annual turnover below 5 million euros.

  • Being a self-employed worker or SME
  • Having an account at BBVA. If you do not have an account open at BBVA, ask us about the available options and economic conditions. 
  • The granting of the limit and each of the draw-downs is subject to prior authorization by BBVA.