Become a customer

Pay later

Whatever the expense, you can split it easily. At your own pace!

Your expenses, under control

Bills, invoices, tax payments… If an unexpected charge has disrupted your spending plan, this service is for you.

Available in your app

Transfer money from your credit card to your account, no paperwork or explanations needed. A fee will apply.

You choose how to pay it back

You can select the payment method that suits you best.

In your account, instantly

We will deposit the amount you choose into your account, depending on your card’s available balance.

To enjoy this service, you need to have an ABANCA credit card.

How to use Pay Later in the app

  1. Open your app and access the account where you want to have the money available
  2. Click on Operate > Pay Later and select the credit card from which to withdraw the funds. You can also access this feature by clicking on the banner you’ll see in your account transactions.
  3. Choose the amount you want to transfer, which will depend on your credit card’s available balance, and select the payment method: installments, fixed revolving payment, or end of month.
  4. Check that everything is correct, and you’re done! The money will be instantly available in your account.

Here's an example

Imagine you want to transfer €300 to your account from the available credit on your VISA Tú card. We'll show you what your installments would look like if you pay it back in 6 or 12 months.


Term1st installmentRemaining installmentsTotal to payCommissionNIRAPR
6 months€63.50€50€313.50€13.50 (4.5% min. €4)0%21.14%(1)
12 months€43€25€318€18 (6% min. €4)0%13.55%(2)

Split your purchases from the app

Choose how much to pay and in how many installments, instantly and hassle-free.

More information

(1) For a Pay Later transaction split over 6 months, you will pay a total of €313.50 (NIR 0%, APR 21.14%). The first installment will be €63.50 (this amount includes a 4.50% fee, that is, €13.50) and the remaining installments will be €50 each. Total amount owed = Total Price in Installments = €313.50 (fees=total cost=€13.50 and interest=€0). For this representative example, the card issuance and maintenance are free of charge.

(2) For a Pay Later transaction split over 12 months, you will pay a total of €318 (NIR 0%, APR 13.55%). The first installment will be €43 (this amount includes a 6% fee, that is, €18) and the remaining installments will be €25 each. Total amount owed = Total Price in Installments = €318 (fees=total cost=€18 and interest=€0). For this representative example, the card issuance and maintenance are free of charge.