Ratenzahlung mit Pay&Plan

Pay later in installments. The first payment is interest-free!

  • Divide purchases you have already made into installments: free during the promotion period
  • We immediately transfer the full amount to your BBVA current account, then collect the first installment the following month.
  • This is valid for online and offline purchases starting at €50, which are marked in the BBVA App.
Starte Pay&Plan jetzt zinsfrei

Starte Pay&Plan jetzt zinsfrei

  • More flexibility for your shopping: Pay with the BBVA debit card and afterward conveniently split your payment into installments.
  • As a special promotion you get 0% interest p.a. auf den ersten kompletten Ratenkauf, innerhalb von zwei Jahren nach Abschluss von Pay&Plan.*
  • Valid for purchases ranging from €50 to €3,000.
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, Taunustor 1, 60310 Frankfurt am Main.

Bleib flexibel mit Pay&Plan

  • Additional financial leeway

    Because plans can change: Get your money back for purchases you've already made. This way you remain financially flexible.

  • Pay both online and offline purchases in installments

    Nutze die Ratenzahlung mit Pay&Plan für alle qualifizierten Käufe mit deiner Debitkarte, egal ob im Geschäft oder Online-Shop.

  • Fester Zinssatz für alle mit Pay&Plan finanzierten Käufe

    There is a fixed debit interest rate of 11.99%, regardless of the purchase amount or number of installments.**

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.

The debit card for everything: flexible, secure, free

  • The BBVA debit card is included free of charge in your free forever current account.
  • Cashback on your purchases (up to €400 total value every month) with the physical or digital card during the first 6 months.
  • Free cash withdrawals starting at €150 at all ATMs with the Mastercard symbol within the Eurozone.
BBVA, your secure choice.

BBVA, your secure choice.

  • The global bank with over 82 million customers worldwide and 169 years of history. customers worldwide and 169 years of history.
  • 100% digital banking with 24/7 customer service.
  • Current account with deposit protection up to €100,000 (EU-wide harmonized deposit protection system) and German IBAN.

*0% interest p.a. für die erste Aufteilung einer Zahlung in Raten mit Pay&Plan ab dem 8.3.2026. Für BBVA Kund*innen mit Pay&Plan Limit. Der erste Einkauf muss innerhalb von 2 Jahren nach Abschluss des Pay&Plan-Vertrags in Raten aufgeteilt werden. Es gelten die Pay&Plan Bedingungen.

More information at bbva.de.

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, Taunustor 1, 60310 Frankfurt am Main.

**Um Pay&Plan zu nutzen, musst du über ein BBVA Girokonto verfügen. Die Bank hat das Recht, nach eigenem Ermessen zu entscheiden, ob sie dir anbietet, einen bestimmten Kauf über Pay&Plan in Raten zu bezahlen, basierend auf deiner Bonität.

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, Taunustor 1, 60310 Frankfurt am Main.

Über Pay&Plan können nur in der BBVA App markierte Käufe mit einer Mindesthöhe von 50 €, die weniger als 90 Tage zurückliegen, finanziert werden. You can repay in monthly installments ranging from 3 to 12 months. Für die Inanspruchnahmen von Pay&Plan fällt ein fester Sollzins von 11,99% p. a. regardless of the amount and term of the installment loan. Da alle Raten des Service Pay&Plan immer am fünften Tag eines jeden Monats abgebucht werden (berechnet auf Grundlage des letzten Tages des vorhergehenden Monats), variiert der effektive Jahreszins je nach Tag im Monat, an dem der Kunde jede Ratenzahlung aktiviert hat.

Für weitere Informationen siehe Europäische Standardinformationen für Verbraucherkredite - Kreditlinie "Pay&Plan”.