Your purchases, in instalments
Customize your payments with your ABANCA credit card
Split only the purchases you choose
Decide how many installments you want to pay in
Does not affect your card’s usual payment method
How to split a purchase with your credit card
- Open the ABANCA app and go to the credit card you used.
- Select the purchase you want to defer and click on Manage payment. Or use the Defer your purchases option, depending on your card type.
- Choose how many months you want to pay over and review the summary of your installments.
- If everything looks good, confirm the change. That's it!
Here's an example
Imagine you choose to pay for a €300 purchase made with your VISA Tú card in installments. This is how it would work out over 3, 6, and 12 months.
| Term | 1st installment | Remaining installments | Total to pay | Fee | NIR | APR |
|---|---|---|---|---|---|---|
| 3 months | €103 | €100 | €303 | €3 (1%) | 0% | 9.20%(1) |
| 6 months | €56 | €50 | €306 | €6 (2%) | 0% | 8.79%(2) |
| 12 months | €37 | €25 | €312 | €12 (4%) | 0% | 8.71%(3) |
For other credit cards, check the conditions on this website or simulate the installment plan from the app.
Pay Later: Restore the Balance in Your Account
An unexpected charge? Replenish the money in your account. You choose how much to return and when.
(1) For a purchase made on 19/07/2026 and split over 3 months, you will pay a total of €303 (NIR 0%, APR 8.97%). The first installment will be €103 (this amount includes the 1% fee, that is, €3) and the remaining two installments will be €100 each. Total amount owed = Total Price in Installments = €303 (fees=total cost=€3 and interest=€0). For this representative example, the card's issuance and maintenance are considered free of charge.
(2) For a purchase made on 19/07/2026 and split over 6 months, you will pay a total of €306 (NIR 0%, APR 8.70%). The first installment will be €56 (this amount includes the 2% fee, that is, €6) and the remaining two installments will be €50 each. Total amount owed = Total Price in Installments = €306 (fees=total cost=€6 and interest=€0). For this representative example, the card's issuance and maintenance are considered free of charge.
(3) For a purchase made on 19/07/2026 and split over 12 months, you will pay a total of €312 (NIR 0%, APR 8.70%). The first installment will be €37 (this amount includes the 4% fee, that is, €12) and the remaining two installments will be €25 each. Total amount owed = Total Price in Installments = €312 (fees=total cost=€12 and interest=€0). For this representative example, the card's issuance and maintenance are considered free of charge.