Finance your purchases and payments
Finance amounts over €30 up to 36 months
Running a little short on cash? Finance your purchases!
Some expenses creep up on us without warning, but there's no need to worry.
With your Openbank credit cards1, you can comfortably finance anything that’s a little over your budget without breaking the bank.
And best of all is that you can finance your purchases or payments for 1 month interest-free (0% NIR and 0% APR2) with any of your Openbank credit cards.
How can you finance your purchases and payments?
It’s that simple! Finance as many purchases as you want.
Don’t forget that you can finance your purchases and payments for 1 month interest-free (0% APR1 and 0% NIR).
Which cards can you use to finance purchases?
You can finance your purchases and payments of at least €30 for 1 month interest-free (0% APR1 and annual NIR) or pay for them in instalments of between 2 and 36 months (10.0% APR 2 and 9.57% annual NIR).
Premium Credit Card
Diamond Credit Card
Diamond Infinite Credit Card
These are similar to the Premium and Diamond Packs, but with an interest rate for payments in instalments between 2 and 36 months at 14.93% APR3 and 14.00% annual NIR.
Open Credit Card
Virtual Credit Card
Plus, you can finance account payments!
Current account transactions, transfers and much more. If you have an Openbank credit card, you can also finance payments of at least €30 associated with your current account.
3 simple steps
Please note that you can finance payments that do not exceed the limit of your credit card.
Bear in mind that, in all the previous cases, the APR may vary depending on the repayment method selected, as well as on compliance with the individual terms and conditions of the cards. Please note that the APR will change in the second year for cards that are subject to a renewal fee. Read the pre-contractual information for each of the cards at openbank.es.
1 Representative example for a purchase of €200 financed over 1 month with the Open Credit Я42 Travel Card, Vanity Fair Reading Club Card, El Hormiguero Credit Card, Open Credit Card, Virtual Credit Card, Premium Credit Card, Diamond Credit Card and the Diamond Infinite Credit Card: 0% APR; annual NIR 0%. Monthly repayment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interests: €0. French amortisation schedule.
2 Representative example for a purchase of €1,000 financed over 12 months with the Premium Credit Card, Diamond Credit Card and Diamond Infinite Credit Card, made on 1st of the month, with the regular payment option and 12 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 9.57% annual NIR; 10.00% APR; 11 instalments of €87.72 and a final instalment of €87.67. Total amount borrowed: €1,000. Total amount owed: €1,052.59. Total cost of credit: €52.59. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortisation schedule.
3 Representative example for a purchase of €200 financed over 3 months with the Open Credit Я42 Travel Card, Vanity Fair Reading Club Card, El Hormiguero Credit Card, Open Credit Card, and Virtual Credit Card, made on 1st of the month, with the regular payment option and 3 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. French amortisation schedule. Therefore, for this specific example, the cash purchase price would be €200 and the total amount to be repaid in instalments would be €204.68.