Ratenzahlung mit Pay&Plan, wenn sich Pläne ändern

Sometimes plans change, and sometimes you simply need more financial leeway. Traditional "buy now, pay later" (BNPL) models require that you decide to pay in installments at the time of purchase. Mit Pay&Plan von BBVA ist das anders. You decide later on whether you want to pay for a purchase in installments and receive the amount immediately in your account – free to use as you choose.

Installment payment or installment financing allow you to pay a larger amount in several smaller installments. Instead of paying the total amount all at once, you can divide the sum into smaller, recurring payments. This makes it easier to finance larger purchases.

Credit cards allow you to make purchases by first borrowing the amount from the bank. Depending on the provider, you can decide whether to repay the entire amount at the end of the month all at once or in several monthly installments. If you opt for an installment plan, interest is usually charged on the outstanding balance.

Debit cards are directly linked to your current account. The amount will be deducted from the existing balance immediately after the purchase. However, some banks offer additional financing programs or installment payment services that can also be used with debit cards. Ein Beispiel dafür ist Pay&Plan von BBVA, mit dem du bestimmte Zahlungen nachträglich in Raten aufteilen kannst.

Have you already bought something, but could use the money for something else? – Mit Pay&Plan holst du dir Geld für vergangene Einkäufe zurück auf dein Konto und zahlst den Betrag ganz entspannt in Raten zurück.

• In der BBVA App sind deine für Pay&Plan freigegebenen Kartenzahlungen direkt in deinen Kontobewegungen markiert.
• Du kannst bis zu 5 Zahlungen (ab 50 € Einkaufswert pro Einkauf) in einem Pay&Plan-Vorgang bündeln.
• Pay&Plan funktioniert sowohl für Käufe im Online-Shop als auch vor Ort.
• Das verfügbare Limit für Pay&Plan liegt - je nach Bonität - insgesamt zwischen 200 € und 3.000 € und gilt für alle aktiven Vorgänge zusammen.
  

Für die Inanspruchnahme von Pay&Plan fällt ein fester Sollzins von 11,99% p. a. regardless of the amount and term of the installment loan. There are no hidden fees or variable interest rates.

Representative example according to § 17 PAngV: With a term of 7 months and a fixed interest rate of 11.99% p.a., the annual percentage rate is 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 payable by the consumer is EUR 72.54. The lender is BBVA, German branch, Taunustor 1, 60310 Frankfurt am Main. The example was calculated assuming that the customer requested the installment payment on the first day of the month in question. The APR depends on the amount of the loan and the number of days that elapse between the date of the loan request and the repayment date.

• Purchases starting at €50 that were made with the physical or digital BBVA debit card
• Both online and offline purchases (e.g. in the supermarket, in a hotel or in the online shop)
• Purchases made within the last 90 days and marked accordingly in the App

The following are not allowed:

• Cash withdrawals at ATMs
• Financing or bank fees
• Cryptocurrency purchases
• Gambling or betting
• Payments to debt collection agencies

1. Open the BBVA App and view your account transactions.
2. Select a qualifying purchase marked "Payable in installments."
3. Choose in how many months you would like to pay (3 to 12) and confirm your selection.

Traditional "buy now, pay later" models are usually offered directly at the time of purchase – in most cases via the retailer or the checkout process. That means that You have to decide whether you want to use the installment option when you make the payment. Mit Pay & Plan hast du hingegen bis zu 3 Monate nach dem Kauf Zeit, dich für eine Ratenzahlung zu entscheiden.

• Interest and additional costs: Before opting for installment payments, you should definitely familiarize yourself with the accruing interest and potential additional costs. Only those who fully understand the financial conditions can make informed decisions. Bei Pay&Plan zahlst du eine festen Sollzins und keine zusätzlichen Gebühren.
• Ability to pay back installments: It is equally important to realistically assess your ability to pay back the money so that you can be sure that the monthly installments are manageable without overburdening your budget.
• Terms and conditions: Furthermore, it is worth carefully reading the provider's terms and conditions, in particular clauses relating to default interest or late payment fees. This helps you avoid unpleasant surprises.
  

Installment payments can be a useful solution to buying what you want without having to pay the entire amount at once. However, it is important to carefully assess the total financing cost and the contract terms in order to avoid unpleasant surprises. This includes reviewing the interest rates and any additional fees that may increase the total amount. Thoroughly researching and comparing different offers can help you find the best terms and conditions and make an informed decision.