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.
Pay in installments with Pay&Plan
More freedom with Pay&Plan installment payments
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Divide purchases you have already made into installments. We immediately transfer the full amount directly to your BBVA current account.
- Your first installment payment is completely interest-free, regardless of the number of months.
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This is valid for online and offline purchases starting at €50, which are marked in the BBVA App.
Start Pay&Plan now, interest-free
- More flexibility for your shopping: Pay with the BBVA debit card and afterward conveniently split your payment into installments.
- As a special promotion you get 0% interest p.a. on your first complete installment purchase, which must be made within two years of signing up for Pay&Plan.*
- Valid for purchases ranging from €50 to €3,000.
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.
Stay flexible with Pay&Plan - try it now interest-free
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Activate installment payments and get started without any interest
The refunded purchase amount will be transferred back to your account. The first use of Pay&Plan is interest-free for all installments.
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Pay both online and offline purchases in installments
Use the installment payment option with Pay&Plan for all qualified purchases with your debit card starting at €50, whether in-store or online.
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Fixed debit interest rate from the second installment payment onwards
Fixed debit interest rate, regardless of the purchase amount or number of installments. For qualified customers, a maximum amount applies, depending on the individual credit limit.
Pay&Plan installment payment
Apply for 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 purchases from the last 3 months that are marked in the App.
- 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 installment payment
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.
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.
How to use Pay&Plan
- In the BBVA App, select the purchase you would like to pay in installments, then select the "Payable in installments" option.
- Choose one or more purchases from the past 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?
*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.
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.
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.
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. A fixed debit interest rate of 11.99% p.a. applies when using Pay&Plan, 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.
For further information consult the European Standard Information for Consumer Credit: Pay&Plan Credit Line.