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Are there fees for using the BBVA Después Young Person's Card at ATMs?

A fee will be charged for cash withdrawals on credit at ATMs in the following cases: ATMs of the BBVA group in Spain : 4% (€4 minimum) ATMs of banks other than the BBVA Group in Spain : for cash withdrawals in euros on credit made by card at ATMs belonging to banks that are not part of the BBVA Group in Spain, BBVA will charge the same amount as the fee that the bank which owns the ATM charges BBVA. This amount will be provided by the bank that owns the ATM before the cash withdrawal. Likewise, BBVA will charge the fee for cash withdrawals on credit stipulated for BBVA Group ATMs in Spain. This fee is in addition to the fee charged by BBVA. ATMs located outside of Spain : 5% (minimum €3). A fee will be charged for cash withdrawals on debit at ATMs in the following cases: ATMs of the BBVA group in Spain : 0%. ATMs of banks other than the BBVA Group in Spain : when withdrawing cash on debit in euros by card at an ATM belonging to a bank other than the BBVA Group in Spain, BBVA will charge the same amount as the fee that the bank which owns the ATM charges BBVA. This amount will be provided by the bank that owns the ATM before the cash withdrawal. ATMs located outside of Spain : 4.5% (minimum €3).

Do I have to meet any conditions?

Just be between 18 and 29 years old and have a BBVA account. This card is subject to approval by BBVA.

Can I change the payment method?

Yes, you can choose the payment method that's most convenient at any given time.

What is the settlement period and when is the monthly bill charged to the account?

The settlement period starts on the 20th of the month and ends on the 20th of the following month. On the 20th of each month, a bill is issued for the total of all the purchases you made with your credit card during this period. If the 20th is not a business day, it will be issued on the preceding business day. You can choose the bill payment date: the 21st of the settlement month or the 5th of the following month , and you can change it at any time. Although if you opted for deferred payments, you will have to pay interest from the settlement date until the payment date. If you change the debit date before the 20th of the month, it will take effect in that month's settlement. If you change it between day 20 and 30 of the month, the change will take effect in the settlement for the following month. Deferred payments are settled on the last business day of the month. This day (30th or 31st), the bill corresponding to the settlement is issued, and then charged to the account on the 5th of the following month.

What happens if I go over the limit one month?

If that happens, you'll be able to use up to 20% more. A 3% fee is applied to the extra amount you use, with a minimum of €6 and a maximum of €12.

How exactly does the ATM robbery insurance work?

This insurance covers you if you're robbed up to 15 minutes after using an ATM (there is a €30 deductible). Guarantees payment to the Insured Party for losses due to mugging or theft of cash, provided that the money was withdrawn from an ATM using a card issued by BBVA.

Can I get another card associated with the same account?

Yes, you can request a card associated with your account for another person. It costs €23.

What is the fee for using the card outside the eurozone?

A fee of 3.00% will be charged on the amount resulting from the equivalent value in euros of all transactions made outside the eurozone based on the exchange rate obtained by the Payment Systems on the date on which they carry out the corresponding settlement.

Pre-contractual information document for payment services

By law, we have to provide you with a standard document with the pre-contractual information on payment services to help you better understand its main features and so you can compare with other cards and make an informed decision. Open document

See the European regulation, PSD2, on electronic payment services here.

BBVA Después Young Person's Card

The BBVA credit card for people under 30

Choose from several payment methods.
You can pay directly with your smartphone.
More than 4,500 BBVA ATMs.

Apply for card

Turn your card into a travel card

Activate the Travel Pack on your card and save fees for purchases and cash withdrawals outside Spain. You have 3 plans to choose from. Enable it from the app.

Discover it

Pay for your card expenses however you like

With the BBVA Young Person's Después Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

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.

Defer any purchase instantly

Personalized payment lets you defer your monthly card payment or any purchase of at least €50. You can choose from 3 to 6 months (no fee) or from 7 to 36 months (with interest). Calculate your payment in the app or at bbva.es.

With the advantages of being with BBVA

With the BBVA Después Young Person's Card you will get a series of additional benefits:

You can make purchases without taking out your wallet and turn your cards on or off.

Your cell phone is much more than just your telephone. You can us it to pay, including with your young person's Joven credit card in BBVA Mobile Pay, Google Pay, Samsung Wallet or Apple Pay. Can't find the card? Deactivate it, and reactivate it when you find it.

Change the limits whenever you want.

You can limit the use of the credit card for a certain period of time.

And you can also use it on debit.

This card is particularly versatile since you can withdraw cash at BBVA ATMs from your account on debit at no charge, or on credit for a fee, depending on your situation that month.

The card includes insurance so you can worry just the right amount.

The BBVA Después Young Person's Card covers you if you are a victim of fraud or if you are mugged at an ATM (up to €600 per claim and card).

Apply for the Joven Después Card

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You can also view our card fees

Check to see if this card has an issue and maintenance fee for you.

View fees

Add the card to your smartphone from the BBVA app and pay directly with your phone.

Would you like more information?

The Young Person's Después credit card has an annual issue and maintenance fee of €23.

Depending on the type of account you have associated with the card and the products you have with BBVA, you may not have to pay this fee. You will not pay this fee if you finance a transaction over €50 or pay a monthly bill with the deferred payment method (Revolving), using this credit card and at least once a year.

Check to see if this card has an issue and maintenance fee using this calculator.

What is the interest on a deferred purchase or bill (personalized payment)?

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: 21.60% annually.

Credit limit: €1,500.

You take out the Young Person's Después Card with a limit of €1,500. That same day, for example, November 12, 2023, 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 installment will be for €15.98 and it only includes interest.

The following 11 installments will be for €151.53 each.

The total amount payable will be €1,682.81 and the APR will be 23.87%.

Example of personalized payment with fee:

Deferral fee: 3.5%, 4.3%, 5.2% or 6% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

Interest rate: 0% annual.

Credit limit of €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 Young Person's Después Card with a limit of €1,500. That same day, for example, November 12, 2023, 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 €90, which only includes the deferral fee, which is 6% of the amount financed.

The following 6 installments will be for €250 each and include only principal.

The total amount payable will be €1,590 and the APR will be 19.80%.

If you choose to defer it over 5 months, this is what you will have to pay:

The first payment will be for €78, which only includes the deferral fee, which is 5.2% of the amount financed.

The following 5 installments will be for €300 each and include only principal.

The total amount payable will be €1,578 and the APR will be 19.41%.

If you choose to defer it over 4 months, this is what you will have to pay:

The first payment will be for €64.50, which only includes the deferral fee, which is 4.3% of the amount financed.

The following 4 installments will be for €375 each and include only principal.

The total amount payable will be €1,564.50 and the APR will be 18.43%.

If you choose to defer it over 3 months, this is what you will have to pay:

The first payment will be for €52.50, which only includes the deferral fee, which is 3.5% of the amount financed.

The following 5 installments will be for €500 each and include only principal.

The total amount payable will be €1,552.50 and the APR will be 17.72%.

This system applies only to each specific settlement for which it is requested.

What interest do deferred revolving payments have?

With a deferred revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.

Interest rate: 21.60%.

Credit limit: €1,500.

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. Therefore, we recommend choosing an installment that allows you to repay the credit drawn down within a reasonable period of time.

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 expense 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 amount

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 21.60% and you choose to make a fixed monthly payment of €46.93, you would have to pay:

48 monthly payments of €46.93.

The total amount payable will be €2,252.83 and the APR will be 24.15%.

IMPORTANT: With the settlement system of the BBVA Después Young Person's 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, November 12, 2023, you make a purchase for €1,500 and choose to make payments of €38 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 21.60%, would be €2,136.11. The APR will be 23.86%.

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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