Pay in installments with Pay&Plan
Pay conveniently with Pay&Plan
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Divide purchases you have already made into installments.
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We immediately transfer the full amount to your BBVA current account, then collect the first installment the following month.
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This is valid for online and offline purchases starting at €50, which are marked in the BBVA App.
Stay flexible with Pay&Plan
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Additional financial leeway
Instead of a traditional installment purchase, you receive a purchase amount back in your account – and you decide how to use it.
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Pay both online and offline purchases in installments
Use the installment payment option with Pay&Plan for all qualified purchases with your debit card, whether in-store or online.
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Fixed interest rate for all purchases financed with Pay&Plan
There is a fixed debit interest rate of 11.99%, regardless of the purchase amount or number of installments.****
Representative example according to § 17 PAngV: With a net loan amount of €70, a term of 7 months, and a fixed interest rate of 11.99% p.a., a. the annual percentage rate will be 12.45% p.a. Repayment is made in six equal monthly installments of EUR 10.40 each (if the product is acquired on April 11, 2026 ). April 11, 2026, the first installment would be €10.14). The total amount to be paid by the consumer is €72.54. For the first split purchase, the debit interest rate is 0% p.a. The lender is BBVA, German Branch, Neue Mainzer Str. 28, 60311 Frankfurt am Main.
Easily split previous purchases into installments
- Divide purchases you have already made with a debit card into 3 to 12 monthly payments.
- Possible for qualified purchases from the last 3 months starting at €50, pre-approved and marked in the BBVA App.
- For qualified customers, a maximum amount of €200 to €3,000 applies, depending on the individual credit limit.
Everything you need in your current account
Free current account, forever
Fee-free, and it stays that way too. Ideal for your daily finances and savings.
Long-term interest rate
After the first 6 months you will a receive a variable interest rate for 5 years as well as information on the current interest rate every 3 months.
3.5% interest p.a.
3.5% interest p.a. on your balance for the first 6 months, with monthly credit.
Monthly interest credit
Automatic interest for balances totaling up to €500,000.With monthly credit and no conditions at all.
BBVA, your secure choice.
- The global bank with 80 million customers customers worldwide and 165 years of history.
- 100% digital banking with 24/7 personal customer service.
- Current account with deposit protection up to €100,000 (EU-wide harmonized deposit protection system) and German IBAN.