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.
  • All that's required is 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, Neue Mainzer Str. 28, 60311 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% 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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*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.

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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