Pay in installments with Pay&Plan

Pay conveniently with Pay&Plan

  • Divide up to 5 purchases of goods or services you have already made into installments.
  • We immediately transfer the full amount directly to your current account, then collect the first installment the following month.
  • This is valid for online and offline purchases starting at €50, which are marked in the App.

Pay&Plan

Pay in installments with Pay&Plan

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

  • Staring at €50, you can finance up to 5 qualifying 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.

 

Pay&Plan

Your financial buffer zone

We will transfer the purchase amount directly to your current account and collect the first installment the following month.

  • Valid for purchases made with your debit card, regardless of whether they're in-store or online.
  • Fixed interest rate of 11.99% p.a. for all financed purchases.
  • The maximum amount for qualified customers ranges from €200 to €3,000.

 

Easily split previous purchases into installments

  • Divide up to 5 purchases made with your debit card into 3 to 12 monthly installments.
  • Possible for up to 5 qualified purchases starting at €50, which are marked in the BBVA App.
  • For qualified customers, a maximum amount of €200 to €3,000 applies, depending on individual credit limit.

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 payment made with Pay&Plan. They base this decision on your creditworthiness. The installments are due on the last day of the month and are debited on the fifth day of the following month, regardless of when you applied for the loan. This means that if you were to make the installment payment on March 28, for example, the first installment would still be due on March 31 and debited on April 5. Should the fifth day of the following month fall on a public holiday, the debit date will be set to the business day that immediately precedes it.

To calculate the effective annual interest rate, we used the legal assumptions pursuant to Section 16 of the Price Indication Ordinance (PAngV). These assumptions are that the customer immediately draws down the net loan amount in full, that the loan is granted for a term of one year from the first drawdown, and that the balance, interest, and any other costs are paid with the final installment. For the purpose of calculating the effective annual interest rate, the law continues to assume that the loan amount is repaid in equal monthly installments, beginning one month after the date of the first drawdown.

For further information, please see the "Pay&Plan" explanatory sheet, written in accordance with Section 491a Paragraph 3 of the German Civil Code.

How to use Pay&Plan

  • In the BBVA App, select the purchase you would like to pay in installments, then select the "Pay in installments" option.
  • Choose a single purchase or a total of up to 5 purchases from the last 90 days.
  • Choose in how many installments you would like to pay (3 to 12).
  • Once this process has been completed, the amount will be credited to your account immediately.
  • Available for in-person and online purchases (€50 minimum amount).

Please note that you must have a payment framework that's been approved by the bank.

The benefits of your free debit card

  • Get physical and digital debit cards free of charge with BBVA's free forever current account.
  • Cashback on your purchases for up to €350 per month during the first 6 months.
  • Starting at €150, pay no fees when withdrawing cash at ATMs with the Mastercard symbol within the EU.

 

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Any questions?

*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.

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. For the use of Pay&Plan, a fixed debit interest rate of 11.99% applies, 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.

Example: With a net loan amount of €70, a term of 7 months and a fixed interest rate of 11.99% p.a., the effective annual interest rate is 12.45% p.a. Repayments are made in six equal monthly installments of €10.40 each (if the product is taken out on April 11, 2025, and the first installment is €10.22). The total amount to be paid by the consumer is €72.62. 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.

For further information, please see the "Pay&Plan" explanatory sheet, written in accordance with Section 491a Paragraph 3 of the German Civil Code.

 

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