Rateizza comodamente i tuoi acquisti con Pay&Plan

To be eligible for Pay&Plan you need to:

• Be a BBVA customer.
• Have an available limit.
• Have made a purchase identified in the account operations list as "payable in installments".

Payments can be made in installments:

• For an amount of at least €50.
• Relating to purchases of products or services made with the BBVA Debit Card from physical and digital merchants, including spending on food and accommodation.

You can pay in installments for purchases made during the last 90 days, which have the label "payable in installments".

The following are excluded from installment plans:

• Financial or banking expenses. 
• Cryptocurrency. 
• Gambling/betting.
• Payments to debt collection companies.
• Withdrawals at ATMs.

A transaction can be paid in installments when the following requirements are met: 

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

Up to 5 transactions can be paid in installments at the same time.

Select the transactions with the installment label that you want to split and the number of installments (3, 5, or 10) into which to divide the amount. Confirm the simulation.

Once this process is complete, your installment request will be visible until the next day, even if the money will be immediately paid into your account.

Then, every 5th of the month, the fee will be debited, starting with the month following the Pay&Plan activation request. 

The only cost is the service commission, which is distributed over the number of installments you choose and varies according to the amount to be paid in installments and the number of installments. Other than that, there is no interest or additional costs.

The fee will be debited monthly from your account on the 5th of each month, along with the corresponding commission. If the 5th coincides with a holiday, the collection date will be brought forward by one day.

As you settle the installments, you will be able to pay other expenses in installments.

You can pay the remaining installments in a single solution, without additional commissions. By doing so, you will have the installment limit available again. 

From the App and website, you can keep track of the available limit and the details of the installments, and pay off the remaining ones.

From the App and website, you can keep track of your installment plan, check the status of payments, as well as the amounts of the next installments.

Although it is very unlikely, it can happen that an error occurs when processing the installment request. In this case, we will send a message to your mobile phone to notify you. To fix the problem, you can log in to your App and try again, or contact Customer Service.

You can contact us by calling the BBVA Line on the toll-free number 800 172 639 or on +39 02 3030 1081 if you are calling from abroad. If you are a BBVA Italy customer, contact us from the "My Messages" section of the App or from the bbva.it website.
You can consult our Customer Service page to find out about all the communication channels you have available to contact us.