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A fee will be charged for cash withdrawals on credit at ATMs in the following cases: ATMs of the BBVA group in Spain : 3.5% (minimum € 3) ATMs of banks other than the BBVA Group in Spain : BBVA will charge you the same fee that it has been charged by the bank owning the ATM. You will be shown this amount on the ATM screen before you withdraw the money. BBVA will also charge you a fee for withdrawing cash on credit at BBVA Group ATMs in Spain (3.5%, minimum of €3). ATMs located outside of Spain : 2.5% (minimum €2). 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 : BBVA will charge you the same fee that it has been charged by the bank owning the ATM. You will be shown this amount on the ATM screen before you withdraw the money. ATMs located outside of Spain : 2.5% (minimum €2).

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 discounts do I have with B The Travel Brand?

Up to 5% on new bookings, cannot be combined with other offers or applied to special group (or other) prices. Booking and processing of airline, train, ship, bus and transport tickets in general are excluded.

What happens if I exceed my credit limit?

You can spend up to 20% more than your limit, paying a fee of 3% on the extra amount you use (minimum €6 and maximum €12). If you want to limit the use of the card, it's easy to do.

Can I get more cards for other users?

Yes. The issue and maintenance fee is the same as for the holder's card and the credit limit is shared.

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

A fee of 1.5% on the equivalent amount in euros for all transactions outside of the eurozone, based on the exchange rate obtained by the Payment Systems on the date when the corresponding settlement occurs.

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 Viajes+ Card

If you travel regularly, this is the credit card for you

It includes trip cancellation and lost luggage insurance for your peace of mind.

It has a lower fee at ATMs abroad.
Best terms and conditions on purchases outside the euro area.
Discounts when booking accommodation with B The Travel Brand

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Pay for your card expenses however you like

With the BBVA Viajes+ 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

Customised 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.

Travel worry-free

The BBVA Viajes+ Card includes insurance that covers most of the incidents you can encounter when traveling:

Insurance for loss, damage or theft of luggage.

Insurance for delayed or overbooked flights.

Cancellation insurance (see insurance policy for conditions).

Travel accident insurance of up to €760,000.

Telephone interpreter service in English, French and German.

ATM theft insurance.

You can also use the BBVA Viajes+ card as a debit card at ATMs.

Half off the first year

The first year of the BBVA Viajes+ Card, the credit card issue and maintenance fee is cut in half, meaning it will cost you €15 instead of the usual €30.

It also offers benefits outside the eurozone

If, for example, you travel to the United States and want to buy something there, with other BBVA cards you would pay a 3% fee; with the BBVA Viajes+ Card, the fee is halved (1.5%).

Apply for the BBVA Travel+ Card

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

Would you like more information?

In the first year, you will only pay 50% of the annual issuance and maintenance fee for the BBVA Viajes + Card. It will be €30 in the subsequent years for the first account holder and €30 for any other beneficiary cards (with the same credit limit as your card).

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.

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 BBVA Viajes+ 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% 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 all cases.

You take out the BBVA Viajes+ 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 Viajes+ 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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BBVA Online Banking

Can you imagine having everything you need from your bank on your cellphone? With the BBVA app you have that.

Find out about all of BBVA's procedures and tools that are available on your cell phone to make your day-to-day life easier.

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Your bank on your smartphone with the BBVA app

Viajes + Card

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Did you know that you don't need to be a customer to try the BBVA app?

BBVA Viajes+ Card

If you travel regularly, this is the credit card for you