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Compra smart
Make your purchases smaller and pay at your own pace.
Compra Smart lets you spread the cost of one or more card purchases without changing the conditions1.
Spread the cost of a large purchase:
For purchases over €90
You can spread the cost of a single purchase, group several purchases or pay off what you spend in full each month. Whatever you pay for with your card, 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.
If you've made up your mind, change your card settings: we'll automatically spread your payments every month.
With Compra Smart Automática you can automatically spread your payments over several months. There are two options to choose from: the purchase amount or the instalment amount.
- When on any one purchase you spend more than...
- When your card bill for the month is more than...
All online with just three clicks!
This video will show you convenient ways to pay for your purchases.
Make your purchases smaller and pay at your own pace.
Spread the paymentSee 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 For the Combo, Única, Quiero, Solidarios, Siempre and Tu y Yo cards: Service offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment entity with a safeguard system consisting of the deposit of the funds in a separate current account opened at Bankinter, S.A., registered with Banco de España under number 8832, with registered office at 12 Avda. de Bruselas, 28108, Alcobendas, Madrid, recorded in Volume 22,729, Folio 181, Sheet No. M-259543 of the Madrid Companies Register, and with Tax ID Number A82650672. For all other cards, the card issuer is Bankinter, S.A., which also offers the financing.