BBVA Después Card

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.

Apply now


What are the main characteristics?

  • Compatible with Apple Pay and Google Pay.
  • Yearly credit card issue and maintenance fee of €43 for the holder and €20 for other authorized users. You offer the possibility of not pay this fee if comply with the next requirements.
  • Settlement period: between the 20 and 20 of each month (the 20 if is skillful, or previous working day). The payments personalized settle the last day skillful of each month. 
  • Debiting date of the Bill: can choose the debiting date of the bill the day 21 of the month of on sale or the day 5 of the next month. This change of debiting date it can carry out at any time. If change the debiting date before the day 20 of the month, have effect in the on sale of the current month. If the change among the days 20 and 30 of the month, the change have effect in the on sale of the next month.
  • Total flexibility: between the on sale and the last day of the month can change the amount of the bill to pay, changing the payment method, as long as have chosen pay the bill the day 5 from the next month to the on sale.
  • Fees for withdrawing cash by card at ATMs:
Cash withdrawal Debit Credit
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.

  • Fee for use of the Card outside of the Eurozone: 3% on the equivalent amount in euros for all transactions outside of the Eurozone, based on the exchange rate obtained by the Payment Systems on the date when the corresponding settlement occurs.

What are the necessary requirements?

  • Have an account at BBVA and be the account holder of the same.
  • Card issued subject to BBVA approval.

Total payment

Yearly credit card issue and maintenance fee of €43 (1)

  • Credit limit €1,500

Total payment: Every month pay the aggregate amount willing that reflects the monthly statement of the "Account of Credit card ".  

If chooses Total and date of payment payment method of the bill the day 5 from the next month to the on sale, 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 every month, during the 11 next months repeats the same purchase transaction you inform of what pay:

  • the first fee be of 1,543 euros that corresponds with the amount of the purchase more the total amount of the fee yearly by issuance and maintenance of a credit card that is of 43€.
  • Over 12 months have carried out purchases for 18,000 euros and the total amount paid be of 18,043€ included the fee yearly by issuance and maintenance of a credit card (The resulting APR be 2.91% with fee yearly). NIR 0%(2)

If not had to pay the fee yearly by issuance and maintenance of the credit card, the amount payable sum in 12 months be of 18,000 and the APR be of 0%.

Deferred payment

Yearly credit card issue and maintenance fee of €43 (1)

  • NIR: 17.52% yearly
  • Credit limit €1,500

Monthly payments for a fixed amount: Every month pay an amount fixed monthly that includes capital, interests and fees. The minimum amount monthly is of 12€, and be able to choose any amount superior. 

If chooses the payment method Fixed Fee, date of payment of the bill the day 5 from the next month to the on sale, the credit limit of your card is of 1,500€ and carries out an only purchase for this amount, the same day that contract the card (for example the May 1), to the nominal interest rate yearly of 17.52% and with a monthly fee of 145 euros (inclusive of capital, interests and fees), you inform of what pay:

  • 11 fees of 145 euros. The first fee includes the total amount of the fee yearly by issuance and maintenance of a credit card that is of 43€.
  • a last fee of 97.5 euros.
  • The amount payable sum be of 1,692.50 euros and The resulting APR be of 25.41%.

If not had to pay the fee yearly by issuance and maintenance of the credit card, 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 amount fixed monthly not be able to be lower than the 3% of the drawn down balance that reflects the statement of the "Account of Credit card " before the on sale, more the interests generated and the fees corresponding during the monthly period of corresponding on sale.

Personalized payment

Yearly credit card issue and maintenance fee 43 (1)

  • NIR: 18% annually
  • Credit limit €1,500

This system you allows postpone the payment of the amount of a purchase carried out with the Card or the drawn down balance of your card after the on sale monthly, provided that is equal to or more than 50€. The amount of the fees be an amount fixed (that includes capital and interests) and that depend on the term that chooses, within a minimum of 7 fees and a maximum of 36. The payments personalized settle the last day skillful of each month. 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:

  • the first fee be of 65.93 euros, includes only interests and the whole amount of the fee yearly by issuance and maintenance of a credit card that is of 43€. 
  • The following ones 11 fees be of 148.94 euros each.
  • The amount payable sum be of 1,704.27 euros and The resulting APR be of 25.87%.

If not had to pay the fee yearly by issuance and maintenance of the credit card, the amount payable sum in 12 months be of 1,661.27€ and the APR be of 19.63%.

Likewise, has the possibility of pay in 3, 4, 5 or 6 fees without interests, with a fee for management of deferment of 2.9%, 3.6% 4.3% or 5% on the amount deferred 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: 

  • The first fee be of 368 euros, and includes the corresponding part of capital, the management fee of deferment, that is of 5% of the amount financed, and the total amount of the fee yearly by issuance and maintenance of a credit card that is of 43€. 
  • The following ones 5 fees be of 250 euros each. 
  • The amount payable sum be of 1,618.00 and lto resulting APR be of 31.96%.

If not had to pay the fee yearly by issuance and maintenance of the credit card, the amount payable sum in 6 months be of 1,575.00€ and the APR be of 19.07%.

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 broader safety, immediacy and control, can activate or deactivate your card and limit some of your operations, from the website and in the BBVA app.

You decide how you want to use your cards:

  • Set your own limits

Set up limits for using your card to have greater control over your expenses.

  • Decide the maximum daily amount of cash you can withdraw from an ATM using your card.
  • You can also set limits on your online and in-store purchases.
  • Receive notifications right away

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.

  • Block or cancel your card

If want deactivate momentarily your card, or give it of cancellation completely, can do it easily from the BBVA app and in bbva.es. Right away, with just one click.

  • You have access to more than 6,000 ATMs throughout Spain.
  • How can I use it:
  • As a credit card: can use the money until the limit set for do your purchases or withdraw cash credit through card in ATMs. If withdraw cash credit in an ATM pay a fee. You can pay at the end of the month or pay in several installments.
  • As a debit card: can withdraw cash debit through card in ATMs of BBVA without fee, For cash withdrawals in euros debit in a company different of BBVA, BBVA you charge the amount of the fee that the issuing company account holder of the ATM copper to BBVA. This amount be informed for the company account holder of the ATM before withdraw cash.
  • How can I pay

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:

Full payment: give back all the money spent during the period of liquidación, the día of charge that have chosen. 

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 choose pay the día 5 of the next month recibirás with antelación the información on the amount to pay and podrás decide if wish change the payment method. Not pagarás interests for the bill from the día of liquidación until the payment regardless of the día that eligas. 

Deferred payment: you pay back the amount in several installments. Can choose cuánto pays every month. 

If choose pay the día 21 not you can inform with antelación nor podrás change the amount of the bill that cargará in the account of domiciliación. 

If pays the día 5 of the next month, pagarás interests for the bill from the día of liquidación until the payment. With this opción every month recibirás with antelación the información on the amount to pay and podrás decide if wish change it. 

Personalized payment: you allows break up the payment of a purchase or the closing cost carried out during the period of liquidación, provided that is higher than 50€. *See representative examples. You can choose between:

Pay the same amount during 3, 4, 5 ó 6 months, with one comisión for gestión of deferment of 2.9%, 3.6%, 4.3% ó 5% on the amount deferred respectively. You pay no interest.
Pay from 7 until 36 monthly fees, with a NIR (i) yearly of 18%, APR (i) from 19.56% implementable to the amount pending of payment.
  • You have ATM mugging insurance:
Guarantees payment to the Insured Party for losses due to mugging or theft of cash, provided that the money was withdrawn from an ATM using a card issued by BBVA.
  • Maximum compensation limits: up to €600 per loss and card, up to a maximum of €1,200 per card and year.
  • Deductible: €30 per loss, charged to the Insured Party
  • The insurance covers up to a maximum of 15 minutes after the money has been withdrawn from the ATM.
  • If you reach the credit limit for your card, you can use up to 20% more, paying a 3% fee on the extra amount that you use (minimum €6 and maximum €12).

Information pre-contractual of the BBVA Después CARD