Cookie owners | What they're for | How long they are kept |
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Cookie owners
BBVA
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What they're for
These cookies are used to offer relevant content to users, depending on whether they are customers or not. If the last logged user belongs to a segment, and what the last segment visited was. If it belongs to a group, its global segment. If they are an employee. The types of products it has.
Identifies when the customer sets up virtual mail in a digital statement. Identifies the bar once per session and product. Indicates if the user has visited the "home center" section of if it's their first time. Identifies the occupation declared by the user. And it creates an encrypted ID of the user browsing the website or the app. As well as one for campaigns to show to the customer. User of encrypted logged client for Catalyst site. And the processes quit by the customer (forms, tools and application). These cookies involve processing the user's personal "IP address" for the purpose of offering a customized user experience, based on the geographical area from which the visitor is accessing our website. |
How long they are kept
These cookies can maintain their settings persistently.
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Cookie owners
Adobe Target
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What they're for
It offers the possibility to test which content is relevant for each user and to personalize offers according to their profile. Creates and contains one or more user identifiers that allow you to distinguish between the generated offer, the user's profile or the performance of the displayed offers.
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How long they are kept
These cookies can maintain their settings persistently.
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Cookie owners
Helpmycash
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What they're for
These cookies are for advertising purposes. They contain a unique randomly generated number which allows the Platform to distinguish web browsers and devices. This information is used to measure the performance of the advertisements and to show particular advertisements.
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How long they are kept
These cookies can maintain their settings persistently.
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Cookie owners
The Trade Desk
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What they're for
They are used to select content-based ads that are relevant for the end-user, to improve campaign performance reports and to avoid showing ads that the user has already seen. They analyze browsing behavior and help to obtain website traffic statistics and to differentiate single users by assigning a randomly-generated number.
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How long they are kept
These cookies can maintain their settings persistently.
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Cookie owners
Tealium AudienceStream
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What they're for
As the Data Controller for the Tealium AudienceStream Service that it provides to BBVA, analyze consumer audiences to design advertising campaigns that are better suited to their needs.
As the Data Controller, use previously anonymized data to monitor and evaluate the use of websites and how Tealium AudienceStream services are used and can be improved.
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How long they are kept
These cookies can maintain their settings persistently.
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BBVA Después Employee Card
Decide every month how you prefer to organize yourself
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With the BBVA Después Card you choose how to manage your outgoings:
- Paying for your purchases on the 21st of the settlement month or on the 5th of the following month.
- Paying a fixed amount (with interest).
- Personalizing the payment over 3 to 6 months (with no interest and a deferred payment processing fee based on the deferred amount and period) and over 7 to 36 months (with interest).
- Paying for your purchases on the 21st of the settlement month or on the 5th of the following month.
With your expenses under control
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With the BBVA Después Card you can perform transactions:
- on debit or credit
It adapts to what you need at all times: withdraw cash from ATMs, both from your checking account and on credit, and also make purchases in physical shops or online.
- With your own limits
You can cap both the amount of money that will be available each day from ATMs and the amount of credit you can use on your card.
You can pay your monthly credit card bill however you like
- Full payment: pay your monthly credit card bill on the 21st of the same month or the 5th of the following month.
- Deferred revolving payment: pay a fixed amount of the bill on the 21st of each month, with interest. You can also do so on the 5th of the following month, although you will have to pay interest on the amount until the payment date.
With the advantages of being with BBVA
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With the BBVA Después Card you will enjoy a series of additional benefits:
- Get notifications on your phone and turn your cards off and on whenever you want.
Whenever you make a payment or withdraw cash from an ATM, we will send you a notification through the BBVA app so that you can review your daily spending and make sure only you are using your card.
If you ever need to, you will be able to temporarily deactivate your card, or cancel it completely, by simply going into the BBVA app or at BBVA.es.
- With total security at ATMs
If you're robbed at an ATM, the insurance will cover up to €600 per event, up to a maximum of €1,200 per card per year.
- And with BBVA Mobile Pay, Google Pay, Samsung Wallet and Apple Pay available
You will be able to use your phone to pay in shops that accept contactless technology, in online stores and in apps, comfortably, securely and without having to enter your card details.
Would you like more information?
What is the interest on a deferred purchase or bill (personalized payment)?
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With the personalized payment, you can defer the payment of any purchase made with the card or the monthly amount owed, provided this amount is at least €50.
The monthly payments will be for a fixed amount (which includes principal and interest if it is a personalized payment with interest, or principal and fees if it is a personalized payment with fee) and will depend on the term you choose, from a minimum of 3 months to a maximum of 36 months. This amount will be charged to the account on the 5th of each month.
The first payment in both cases is different:
- For a personalized payment with interest, it only includes interest.
- For a personalized payment with fee, only the deferral fee is charged.
Once you take out the card, you can use both the BBVA app and bbva.es to calculate your monthly payment based on the repayment period you choose.
Example of personalized payment with interest:
- Interest rate: 7.16% per annum.
- Credit limit: €1,500.
You take out the Employee Aqua Credit Card with a limit of €1,500. That same day, for example, April 15, 2024, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay:
- The first payment will be for €4.41 and it only includes interest.
- The next 11 installments will be for €141.29 each.
- The total amount payable will be €1,558.60 and the APR will be 7.35%.
Example of personalized payment with fee:
- Deferral fee: 1.40%, 1.70%, 2.00% or 2.25% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).
- Interest rate: 0% yearly.
- Credit limit €1,500.
Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in every case
You take out the BBVA Employee Aqua Credit Card with a limit of €1,500. That same day, for example, April 15, 2020, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay:
- The first payment will be for €33.75, which only includes the deferral fee, which is 2.25% of the amount financed.
- The next 6 installments will be for €250 each.
- The total amount payable will be €1,533.75 and the APR will be 7.02%.
If you choose to spread the payment over 5 months, this is what you will have to pay:
- The first payment will be for €30, which only includes the deferral fee, which is 2% of the amount financed.
- The next 5 installments will be for €300 each.
- The total amount payable will be €1,530 and the APR will be 7.13%.
If you choose to spread the payment over 4 months, this is what you will have to pay:
- The first payment will be for €25.50, which only includes the deferral fee, which is 1.70% of the amount financed.
- The next 4 installments will be for €375 each.
- The total amount payable will be €1,525.50 and the APR will be 7.05%.
If you choose to defer it over 3 months, this is what you will have to pay:
- The first payment will be for €21, which only includes the deferral fee, which is 1.40% of the amount financed.
- The next 3 installments will be for €500 each.
- The total amount payable will be €1,521 and the APR will be 6.96%.
This system applies only to each specific settlement for which it is requested.
What interest do deferred revolving payments have? (Personalized payment)?
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With the deferred revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.
- Interest rate: 7.16%.
- Credit limit: €1,500.
- Yearly credit card issue and maintenance fee: €0.
The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.
The minimum monthly amount is €12, and you can choose any higher amount.
The payment chosen is used to pay the interest and agreed expenses first, and then to repay the loan or the balance you draw down. Because of this, selecting lower payments could lead to a smaller proportion of the principal being repaid every month.
Once you take out the card, you can use both the BBVA app and bbva.es to calculate the repayment period based on your chosen payment method, as well as the total interest payable, if any.
You can also use the Bank of Spain's revolving card simulator to calculate the approximate total card payment or the final payment date, based on the amount and the payment method chosen.
Remember that you can change the payment method for your card whenever you want.
Example of deferred revolving payment with fixed payment
This example complies with the information requirements of Order EHA/1718/2010, which governs and controls the advertising of banking services and products, the conditions of which may not correspond to those of the contract.
If you make a purchase for €1,500 with a NIR of 7.16% and you choose to make a fixed monthly payment of €36.03, you would have to pay:
- 48 monthly payments of €36.03.
- The total amount payable will be €1,729.44 and the APR will be 7.50%.
IMPORTANT: With the settlement system of the Aqua Credit Card, it isn't always possible to repay the credit in 48 equal monthly installments because the minimum amount payable is 3% of the balance drawn. This means that every month, you will pay the higher of the following amounts:
- The selected fee, made up of principal, interest and fees.
- Or 3% of the credit drawn before settlement, plus the interest and fees for the period.
If you get this card and on the same day, for example, April 15, 2024, you make a purchase for €1,500 and choose to make payments of €32 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 7.16%, would be €1,705.29. The APR will be 7.39%.
Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.
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- At BBVA we want to help you with your day-to-day errands.
- We are working to make your life a little easier with our digital solutions.
- Our approach is based on transparency, clarity and responsibility.