Pay in installments with Pay&Plan

0% interest p.a. for your first Pay&Plan installment payment

  • Divide purchases you have already made into installments. We immediately transfer the full amount directly to your BBVA current account.
  • Your first installment payment is completely interest-free*, regardless of the number of months.
  • This is valid for online and offline purchases ranging from €50 to €3,000 in purchase value that are marked in the BBVA App.

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% per annum. the annual percentage rate is 12.45% p.a. Upon completion of the product on April 11, 2026, repayment will be made in 7 monthly installments (first installment: €10.22 and six equal monthly installments of €10.40 each). The total amount to be paid by the consumer is €72.62. Subject to credit approval. The lender is BBVA, German branch, Neue Mainzer Strasse. 28, 60311 Frankfurt am Main.

Stay flexible with Pay&Plan

  • 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.

  • 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.

  • Terms and conditions after the promotion period

    Fixed debit interest rate of 11.99% p. a., regardless of the purchase amount or number of installments. For qualified customers, a maximum amount of €200 to €3,000 applies, depending on the individual credit limit.

BBVA's Pay&Plan: This is how you get money back for past purchases and pay conveniently in installments

This is how Pay&Plan installment payments work

*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.

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.

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.