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Compra smart
Turn large purchases into small ones and pay for them at your own pace.
Compra Smart lets you pay for one or more card purchases in comfortable instalments without changing your conditions.1
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Make your purchases smaller and pay at your own pace.
Pay for card purchases comfortably:
For purchases of €90 and more
You can spread the cost of a single purchase, group several purchases or pay off what you spend in full each month. Use your card to pay for whatever you want, even bills.Pay little by little
You decide the number and amount of the instalments: from 3 to 36 months and from €30 per month. Terms and conditions apply.Change your conditions whenever you want
You can cancel Compra Smart, make advance payments, change the number of instalments or alter the instalment amount.All online with just three clicks!
This video will show you convenient ways to pay for your purchases.
See Service terms and conditions Service terms and conditions
Compra Smart terms and conditions
This service is a special payment method available with the End of Month Payment option that lets you spread purchases of €90 or more across three to 36 months with a minimum monthly instalment of €30 at 17.52% NIR (19.00% APR).
Example for a Compra Smart purchase of €1,500 made on the first day of the month with a repayment period of 36 months at 17.52% NIR, 19.00% APR: a first instalment (interest only) of €21.90, 34 instalments of €55.04 and a final instalment of €55.09. Total amount repayable €1,948.35 (€1,500 principal and €448.35 interest). Total cost €448.35. French repayment system.
IMPORTANT INFORMATION
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Show/Hide legal text1 Compra Smart: Promotion valid for all Compra Smart purchases until 31 March 2022, provided you have never previously used the Compra Smart service. Minimum amount purchases from or totalling €90 and a maximum of the available balance on the card when performing the transaction Minimum instalment €30. Pay back in 3 to 36 instalments.
Service subject to approval if your financial situation has changed on the day you apply for it.
Example for a Paga Cómodo Payment of €1,500, made on the 1st of the month, with a repayment period of 37 months, 0% NIR and 0% APR, first instalment of €0 plus 35 instalments of €41.66 and a final instalment of €41.90. Total repayment amount €1,500. Interest: 0€. Total cost: 0€. French repayment system.