Pay conveniently with Pay&Plan

With Pay&Plan, you can split an amount into monthly installments after a purchase. This is useful for easily managing larger or multiple expenses, even if you have enough money, but would rather spread the payments out over the month.

Requirements for Pay&Plan:

- You are already a BBVA customer.
- Your account has an available limit.
-The purchase is marked as “Payable in installments” in your transaction list.

You can pay in installments:

- From an amount of at least €50.
- For purchases of products or services made with your BBVA debit card at physical and digital merchants, including food and accommodation expenses.
- You can make installment payments for purchases made within the last 90 days and that are marked "Payable in installments."

Excluded from the installment payment plans are:

- Financing or bank fees.
- Cryptocurrencies.
- Gambling/betting.
- Payments to debt collection agencies.
- Cash withdrawals at ATMs.

A purchase can be paid in installments if the following conditions are met:

• The purchase must have been made with a BBVA debit card.
• The purchase must be credited to your account and marked "Payable in installments."
• The payment must have been made within the last 90 days.
• The purchase must have a minimum amount of €50.

Select the transactions you want to split and the number of installments (3 to 12). Confirm the simulation. Once you have completed the process, you will not see your installment payment application until the next day, but the money will be transferred to your account immediately.

An installment is paid monthly on the 5th of each month from your account after Pay&Plan installment payment has been activated.

After you have applied for installment payment and selected the number of installments, the full purchase amount will be credited to your account. Although the status will be shown as "Requested" until the next business day, the credit will be made immediately, so that the amount is available to you right away.

A fixed interest rate of 11.99% p.a. applies Apart from that, there are no additional costs.

An installment is paid monthly on the 5th Once a month from your account, along with the corresponding fee. If the 5th is a public holiday, the payment date will be brought forward by one day.

While you are paying off the installments, you can make other expenses.

You can pay off the remaining installments in one installment without incurring any additional fees. This way, you will have a new total amount available for payment in installments.

You can use online banking and the BBVA App to keep track of your available limit and payment details, and to pay off the remaining installments.

You can use online banking and the BBVA App to monitor your installment plan, and to check the payment status and amounts of your next installments.

Although it is very unlikely, an error may occur when processing your installment payment application. In this case, we will send a message to your mobile phone to inform you. To resolve the issue, log in to the app and try again, or contact our customer service.

The installments are due on the last day of each month and are debited on the fifth day of the following month, regardless of the day on which you requested the installment. That means, for example, if you requested the installment on the 28th of the month, the first installment is due on the 31st of the same month and will be debited on the 5th of the following month.

You can view them in detail. We'll show you all your current and paid installments, monthly fees, remaining installments, your payment plan, etc. Furthermore, you can terminate an installment payment early at any time without incurring any additional costs for the outstanding amounts.

In addition, you can cancel this service at any time and at no cost. Please note that there must be no outstanding installments in order to completely terminate the service.

Check whether other payments are already in progress and when they are expected to be billed. Consider paying off existing installments early to increase your available limit. Check if other financing options are available to you.

If you are still unable to pay in installments, please contact the BBVA hotline at +49 69 58 996 454. We are available anytime, 24/7, for calls within Germany and from abroad. The cost of the call depends on your tariff plan.

Call us on +49 69 58 996 454! We are here for you 24 hours a day. in Germany and from abroad.

The cost of the call depends on your rate plan. If you are a BBVA Germany customer, you can also contact us via “My messages” in the App or at bbva.de.

You can find further contact options on our customer service page.