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 m
as well as overdraft and instant loans help you remain flexible.
Split previous purchases into installments with Pay&Plan
Stay financially flexible with all the benefits of your BBVA debit card.
- Divide purchases you have already made within the last 3 months into 3–12 monthly installments.
- Straightforward process without the red tape; pre-approved for qualified customers.
- Fixed interest rate of 11.99% p.a. for your purchases financed with Pay&Plan.
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.
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.
- The application is 100% online and involves only one click, without any activation or cancellation fees.
- Conveniently pay back your purchase in 12 to 96 monthly installments.
Your daily banking – free of charge
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Cash withdrawals
At ATMs throughout the world displaying the Mastercard logo, free within the Eurozone starting at €150.Continue to Cash
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SEPA real-time transfer
The recipient receives the amount immediately with participating banks in the SEPA area.Continue to real-time transfer
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Card management
Block or limit your card's features more easily than ever.Continue to Card Management
3% cashback on your purchases
- Receive cashback on your purchases for 12 months, up to €250 per month.
- 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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What is the difference between flexible fixed-term deposits and daily savings accounts?
We can clarify questions about the difference between current accounts, daily savings accounts, and flexible fixed-term deposit accounts. With tips on opening a flexible fixed-term deposit account.
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What is cashback, and how does it work?
With cashback, you can get money back when you shop online or in stores with your card.
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Security for your money: Deposit protection at BBVA
In this article, we explain how your deposits at BBVA are protected through the statutory deposit guarantee system.
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Flexible fixed-term deposit
Invest your money safely with a guaranteed return of 2% interest p.a. for 24 months, which can be terminated early at any time.
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Cashback on your purchases
3% cashback on your purchases during the first 12 months, up to €250 per month. Deposited directly into your account every month.
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Keep control of your money
Use smart Expense Analysis and Multibanking (available soon) to effectively manage your finances.
*BBVA instant loan is available 3 months after opening an account.