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.

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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 day 20 and 20 of each month (day 20 if it is a business day, or the previous business day). Personalized payments are settled on the last business day of each month. 
  • Bill Debit Date: You can choose to have the bill debited on day 21 of the settlement month or day 5 of the following month. You can change the debit date at any time. 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.
  • Total flexibility: between the settlement date and the last day of the month, you can change the amount of the bill to be paid by changing the payment method, provided you have chosen to pay the bill on day 5 of the month after the settlement date.
  • 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.

Deferred payment

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.

  • 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 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:

  • 11 payments of Euros 145. The first payment includes the total amount of the annual credit card issuance and maintenance fee, which is €43. This means you repay less capital than the total amount drawn down. This fee is paid on day 20 of the month.
  • A final payment of Euros 97.5.
  • The total amount payable will be Euros 1,692.50 and The resulting APR will be 25.41%.

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.

Personalized payment

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

  • Yearly credit card issue and maintenance fee of €43(1)
  • NIR: 18% annually
  • Credit limit €1,500

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 payment will be Euros 65.93, which only includes interest and the full amount of the annual credit card issuance and maintenance fee, which is €43.
  • The following 11 payments will be Euros 148.94 each.
  • The total amount payable will be Euros 1,704.27 and The resulting APR will be 25.87%. 
  • 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 1,661.27€ and the APR be of 19.63%.

Payment personalized With Fee

  • Yearly credit card issue and maintenance fee of €43(1) 
  • Deferral fee: 2.9%, 3.6% 4.3% or 5% on the amount deferred according to the term chosen in 3.4, 5 or 6 months. 
  • Credit limit €1,500

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:  

  • The first payment will be Euros 368, which includes the corresponding portion of capital, the deferral management fee, which is 5% of the financed amount, and the full amount of the annual credit card issuance and maintenance fee, which is €43.
  • The following 5 payments will be Euros 250 each. 
  • The amount payable sum be of 1,618.00 and the resulting APR be of 31.96%.
  • 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 6 months be of 1,575.00€ and the APR be of 19.07%.

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: 

  • The first fee be of 586.50 euros, and includes the corresponding part of capital, the management fee of deferment, that is of 2.9% of the amount financed, and the total amount of the fee yearly by issuance and maintenance of a card that is of 43€. 
  • The following ones 2 fees be of 500 euros each. 
  • The amount payable sum be of 1,586.50 and the APR: 41.99%. 
  • If not had to pay the fee yearly by issuance and maintenance of the credit card (consults conditions), the amount payable sum in 3 months be of 1,543.50€ and the APR 19.23%.  

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 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 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.

  • You have access to more than 6,000 ATMs throughout Spain.
  • How can I use it:
  • As a credit card: you can use the money up to the limit set to make purchases or withdraw cash on credit by card at ATMs. If you withdraw cash on credit at an ATM, you will pay a fee. You can pay at the end of the month or pay in several installments.
  • As a debit card: you can use a debit card to withdraw cash from BBVA ATMs without paying a fee. If you use a debit card to withdraw cash in Euros from a bank other than BBVA, BBVA will charge you the fee that the bank that owns the ATM charges it to perform the transaction. The bank that owns the ATM will indicate what this amount is before you withdraw any money.
  • 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: you repay all the money spent during the settlement period on the debit date you chose. 

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:

Pay the same amount for 3, 4, 5 or 6 months, with a deferral management fee of 2.9%, 3.6%, 4.3% or 5% on the respective deferred amount. You pay no interest.
Make from 7 to 36 monthly payments with an annual NIR(i) of 18% and APR(i) from 19.56% applicable to the amount outstanding.
  • 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