Visa Proyecta
Is it for me?
How does it work?
What's the best part?
What else?
Examples, APR… all the information you need
The Visa Proyecta revolving card has an interest rate of 11.25% NIR (11.85% APR). Want an example to understand it better? For a purchase of €1,500 to be paid over 48 months, you would pay €38.95 each month. The total amount you would end up paying is €1,869.60, of which €369.60 would be interest. The total cost of the financing would be those €369.60, because there are no fees or commissions, neither for issuance, maintenance, nor early repayment.
Keep in mind that our cards are settled in monthly periods that start on the 20th and end on the 19th of the following month, with the payment being charged on the last day of this second month. In the previous example, we assumed the transaction is made on the first day of a month. This example is merely representative and does not correspond to the method agreed in the card contract, which will govern the settlement of transactions.
Remember that you can choose the fixed monthly installment you want to pay, starting from 1.5% of your card's credit limit, with a minimum of €30, which will be what you pay regardless of what you have spent that month, and you can repay any part of the debt you wish, even the full amount, at any time and at no cost.
The repayment system for this revolving card is called Partial Repayment with Fixed Installment: on each monthly settlement date, you will pay the same amount every month, which includes the payment of interest for the settlement period and the portion of the credit repayment up to the chosen installment amount. And remember: the higher the amount of credit used, the longer the repayment term.
Simulate payment with fixed revolving installment
How much money do you need?
Tell us how much you want to pay with the card. Based on that amount and how much you want to pay each month, we provide a simulation of how much you would pay in total and for how long.
How much do you want to pay each month?
We need you to tell us how you want to repay the card expenses each month. You can choose to pay a higher amount, an intermediate one, a lower one, or customize it to your liking. Keep in mind that a higher monthly payment means you will finish repaying the card debt sooner and pay less interest. Conversely, a lower monthly payment means increasing the number of months you will be paying and the total interest applied. This simulator allows you to study the cost of each alternative and choose the one that best suits you. The last two monthly payments may be different because they correspond to the payment of the remaining principal and its corresponding interest.
How did we calculate this simulation?
We calculated the simulation assuming you make a purchase today for the amount you indicated and that you will repay it according to the monthly payment you selected. We assume you will not make any further transactions with the card and that you will pay all monthly payments on time. In each settlement period, we calculated the daily average balance of the card's principal debt and applied the interest rate for this card type. We have also included, where applicable, the card issuance/maintenance fee. With all this, we have obtained the interest and commission costs shown to you and calculated the corresponding APR.
This is an indicative simulation of what you would pay for a transaction with the characteristics you have indicated, based on the information you have provided. The simulation does not imply that ABANCA is obliged to grant you a credit card. If you eventually contract a credit card, its conditions may differ from those of this simulation if we have additional information about your preferences or financial situation.
Transfers to your account
If you ever need to cover an unexpected payment, you can transfer funds from your card to your account. You can also withdraw cash at our ATMs, under the same conditions as if it were a purchase.
To start enjoying this card, all you have to do is request it (and be of legal age). It's that easy!
Everything from your mobile
- Turn your card on and off
- Set spending limits for online purchases or cash withdrawals
- Withdraw cash on credit or debit, you choose
- Receive instant notifications for every purchase
And many more advantages
With the Visa Proyecta card you will have:
- Discounts at gas stations: 4% at all Galp service stations participating in this promotion. See terms and conditions.View PDF file
- Discounts and cashback at hotels, travel agencies, and other establishments through the EURO 6000 Plus program. Just for using your card! See benefits.
We refund 1% of your purchases!
With this revolving card, in addition to the payment method characteristic of this type of card, we offer you a 1% refund on all purchases made in physical stores and shops with it until 31 de diciembre de 2026. Check the promotion conditions here.
Free insurance
Just by owning this credit card, you already have coverage linked to the card, completely free of charge. For example:
Insurance for theft or robbery at an ATM and also for fraudulent use of your card, in case you have lost it or it has been stolen.
Public transport accident insurance, when the ticket has been purchased with the Visa Proyecta credit card, up to 300,000 euros.
Travel assistance insurance, again when you purchase your ticket with your Visa Proyecta card. This insurance covers travel or baggage delays, cancellation due to strike, and so on.
You can check the coverage of these insurance policies in the annexes of this product's information sheet, which we include at the bottom of this page. And if you need to report an incident, we explain how you can do it without leaving home.
Need more credit?
With ABANCA 24h loans, you can easily finance larger purchases, and we even have a specific option for those thinking about buying a new car with very attractive rates. Or a motorbike!
¿Tienes preguntas? Nosotros respuestas
Questions
Muy fácil, si ya has recibido la nueva tarjeta y la tienes a mano, tienes cuatro formas de activarla.
- Desde la app de ABANCA. Accede, entra en Tarjetas y selecciona Activar tarjeta. Te pediremos algunos datos, incluido el CVV. También puedes activarla a través de este enlace.You will be redirected to another website
- Desde la banca electrónica en abanca.com. Accede al Área Cliente, ve a Tarjetas y elige Activar tarjeta. Ten a mano tu tarjeta, ya que solicitaremos datos como el CVV.
- En un cajero de ABANCA. Inserta la tarjeta y realiza cualquier operación introduciendo el PIN que te entregamos con ella.
- De esta forma ya quedará activada.O llámanos al 900 815 523 (o al +34 981 179 625 si nos llamas desde el extranjero). Para identificarte te pediremos una serie de datos de la cuenta y la tarjeta.