Pay in installments with Pay&Plan

More freedom with Pay&Plan installment payments

  • 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.
  • This is valid for online and offline purchases starting at €50, which are marked in the BBVA App.
Start Pay&Plan now, interest-free

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

  • 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.

  • 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.

  • 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.

10% extra cashback promotion for opening a BBVA account in Germany

Now get 10% extra cashback

  • Secure up to €50 extra cashback on your purchases during the first month with your physical or digital BBVA debit card.***
  • The amount is transferred directly to your account.

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.

Which loan is right for you?

  • Instant loan

    BBVA's instant loan is the right choice if you plan to address larger expenditures.

  • Overdraft facility

    The overdraft facility on your current account serves as a financial buffer in case the account is not covered in the short term.

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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.

**In order 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.

***Until April 7, 2026, the 10% extra cashback promotion requires a first transaction within 90 days of opening a BBVA account and is valid for the first €500 in purchases made with the debit card during the first month after the first purchase. Offer valid for new customers only, subject to the respective terms and conditions.

More information at bbva.de and in the terms and conditions of participation.

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