Pay in installments with 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.
Start Pay&Plan now, interest-free

Start Pay&Plan now, interest-free

  • 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. on your first complete installment purchase, which must be made within two years of signing up for 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, Neue Mainzer Str. 28, 60311 Frankfurt am Main.

Stay flexible with 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

    Use the installment payment option with Pay&Plan for all qualified purchases with your debit card, whether in-store or online.

  • 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.**

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 €350 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 80 million 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.

*0% interest p.a. the first time you split a payment into installments with Pay&Plan. Only for BBVA customers with Pay&Plan Limit. The first purchase must be paid in installments within 2 years of signing the Pay&Plan contract. Pay&Plan's terms and conditions apply.

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, Neue Mainzer Str. 28, 60311 Frankfurt am Main.

**In order to use Pay&Plan, you must have a BBVA current account. The bank reserves the right to decide, at its sole discretion, whether it will offer you the option to pay in installments for a specific purchase made with Pay&Plan. They base this decision on your creditworthiness.

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.

Only those purchases marked in the BBVA App with a minimum value of €50 and made less than 90 days ago can be financed via Pay&Plan. You can repay in monthly installments ranging from 3 to 12 months. A fixed debit interest rate of 11.99% p.a. applies when using Pay&Plan, regardless of the amount and term of the installment loan. Since all installments of the Pay&Plan service are always debited on the fifth day of each month (calculated based on the last day of the previous month), the effective annual interest rate varies depending on the day of the month on which the customer activated each installment payment.

For further information consult the European Standard Information for Consumer Credit: Pay&Plan Credit Line.

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