Flexible Financing

Financially agile, fast and flexible

The need to make an unexpected purchase often happens at an inconvenient time.
No need to worry – Pay&Plan installment payments and our
overdraft and instant loans help you remain flexible.

Pay in installments with Pay&Plan

Make a purchase with your BBVA debit card, then divide the selected amounts into flexible installments. It's simple and transparent!*

  • Starting at €50, you can finance online and offline purchases from the last 3 months.
  • Choose a repayment period from 3 to 12 months.
  • All that's required is You are a BBVA customer and your account has an available limit.

Finance your projects

Take advantage of the BBVA instant loan with a transparent and favorable interest rate.
  • Apply for €3,000 to €10,000 ** and receive an immediate credit following bank approval based on your creditworthiness.
  • Complete the application entirely online with just one click, without activation or cancellation fees.
  • Convenient repayment in 12 to 96 monthly installments.

Unexpected purchases? Your overdraft is here!

Use the overdraft facility to quickly and easily cover unexpected expenses and keep your finances flexible.
  • Quickly access up to €500.
  • Available directly in your account if required.
  • Automatically repay it from your next incoming payment.

Your daily banking – free of charge

3% cashback on your purchases

  • Receive cashback on your purchases for up to €350 per month during the first 6 months.
  • The cashback amount will be credited directly to your current account every month.
  • Valid for all purchases with your physical or digital BBVA debit card.

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*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% per annum, the annual percentage rage (APR) is 12.45%. Repayment is made in six equal monthly installments of €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. The lender is BBVA, German Branch, Neue Mainzer Str. 28, 60311 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.

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.

The amount of the possible credit limit of up to €10,000 depends on the individual creditworthiness of the customer and their income being deposited into an account managed with us.
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