Pay off what was spent at the end of the month or pay in instalments.
Flexibility: you can pay back the money spent during the settlement period all at once, or you can pay it back over several months.
Card with surely you offers, at no additional cost, an insurance in the event of mugging in ATM.
If you have the BBVA app, you will receive a notification each time you make a payment using your card.
|BBVA group ATMs in Spain||0%.||3.5% (minimum €3).|
|ATMs in Spain of banks other than the BBVA group||Note 1.||Note 2.|
|ATMs outside of Spain||4.5% (minimum €3).||5% (minimum €3).|
Note 1: When withdrawing cash on debit by card at an ATM belonging to a bank other than the BBVA Group in Spain in euros, 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.
Note 2: When withdrawing cash on credit by card at an ATM belonging to a bank other than the BBVA Group in Spain in euros, 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.
Yearly credit card issue and maintenance fee of €43 (1) that is paid in full in the first payment and is added to the capital.
Monthly payments for a fixed amount: Every month pay an amount fixed monthly that includes capital, interests whole of the whole period and fees earned in the settlement period. The minimum monthly amount is €12, and you can choose any higher amount.
If you choose the Fixed Payment method, allocate day 5 of the month following settlement as your bill debit date, have a credit limit €1,500 and make a single purchase for this amount on the day you sign up for the card (for example on May 1) at an annual nominal interest rate of 17.52% and with a monthly payment of Euros 145 (including capital, interest and fees), you will pay:
The monthly payment settlement date is day 20 of each month. However, if you have chosen to pay the bill on day 5, the payment will accrue interest from the settlement date until the payment date.
If not had to pay the fee yearly by issuance and maintenance of the credit card according to the requirements, the amount payable sum in 12 months be of 1,642.04€ (11 fees of 145 euros and a last one of 47.04 euros) and the APR be of 18.95%.
The fixed monthly amount may not be less than 3% of the drawn balance reflected in the "Credit Card Account" statement before settlement, plus the interest generated during the corresponding monthly settlement period and the relevant fees.
This system allows you to defer the payment of a purchase made with the Card or the balance drawn down on your card after the monthly settlement date, provided the amount is equal to or greater than €50. Payments will be for a fixed amount (that includes capital and interest) and will depend on the term you choose, within a minimum of 7 and a maximum of 36 payments. Personalized payments are settled on the last business day of each month.
Payment personalized With Interests
If the credit limit of your card is of 1,500€ and carries out a purchase for all the limit the same day that contract the card (for example the May 1) and chooses pay it in 12 months, you inform of what pay:
Payment personalized With Fee
Next specify the examples of the payment personalized with fee of 3 to 6 months, since represent the TAES maximum and minimum respectively.
If the credit limit of your card is of 1,500€, carries out a purchase for all the limit the same day that contract the card (for example the May 1) and chooses pay it in 6 months, you inform of what pay:
If the credit limit of your card is of 1,500€, carries out a purchase for all the limit the same day that contract the card (for example the May 1) and chooses pay it in 3 months, you inform of what pay:
This system applies only to each specific settlement for which it is requested.
(1) Enquiry the requirements for the exemption of yearly fee by issuance and maintenance in your contract of account.
(2) There is no interest when you pay for your purchases using Pago Total. If you don't use the Pago Total method, you will have to select a debt deferment method, with a NIR of 17.52%.
For greater security, speed and control, you can activate or disable your card and restrict some of the transactions you can perform with it from the website or the BBVA app.
You decide how you want to use your cards:
Set up limits for using your card to have greater control over your expenses.
To help you monitor your spending, you can opt to receive a notification on your cell phone every time you use your BBVA card. This is also a security measure which will let you make sure that nobody else is using your card.
If you want to disable your card momentarily, or cancel it completely, you can do so easily using the BBVA app and at bbva.es. Right away, with just one click.
If you use it like a credit card, i.e. to finance your payments/withdrawals, you can choose between different methods to reimburse the bank:
If choose pay the día 21 not you be able to inform with antelación the amount of the bill that cargará in the account of domiciliación.
If you choose to pay on day 5 of the following month, you will receive information on the amount to be paid in advance and you will be able to decide whether you wish to change the payment method. You will not pay interest on the bill from the settlement date to the payment date, regardless of the date you choose.
Deferred payment: you pay back the amount in several installments. You can choose how much to pay each month.
If you choose to pay on day 21, we cannot give you information about your bill in advance and you will not be able to change the amount charged to the direct debit account.
If you pay on day 5 of the following month, you will pay interest on the bill from the settlement date to the payment date. With this option, you will receive information in advance about the amount to be paid each month and you will be able to decide if you want to change it.
Personalized payment: it allows you to split the cost of a purchase or the total amount spent during the settlement period, provided it is more than €50. *See representative examples. You can choose between:
Hello, before continuing, please indicate whether you are self-employed or a company, and if you are already a customer or not: