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.

First use of Pay&Plan installment payments is now interest-free

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. The first use of Pay&Plan is interest-free - regardless of the number of months.
  • Requirement: You are already a BBVA customer. Please note that you must have a payment framework that's been approved by the bank.
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.

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

3.5% cashback on your purchases

  • Receive cashback on your purchases totaling 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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*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, Taunustor 1, 60310 Frankfurt am Main.

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.

***The BBVA cashback offer requires that a BBVA current account be opened and is valid for the first 6 months after making the first card payment. To receive cashback, you must make your first payment with the BBVA debit card within 90 days of opening your account.

With the BBVA debit card you receive 3.5% cashback on online and offline purchases totaling up to €350 in purchase value. This means that you can receive €73 cashback in 6 months. The maximum cashback payment is €12.25 per month.

No cashback is awarded for payments related to financial services and banks, cryptocurrencies, gambling and betting, debt collection services and cash withdrawals.

More information at bbva.de.