We use first and third-party cookies for analytical and statistical purposes and to show you personalised advertisements based on a profile compiled from your browsing habits (e.g. pages visited). For more information, click on our Cookie Policy. You can accept all cookies by pressing 'Accept', you can reject all cookies by pressing 'Reject', or you can customize your choice by pressing 'Manage'.
And what will you be able to pay comfortably?
- The bills you have paid by direct debit: car insurance, homeowners' association, schools or the bill from El Corte Inglés.
- A transfer that you have had to make and that is not convenient for you now, e.g. a rent payment.
- You will be able to pay your credit card statement in instalments, if the payment method is at the end of the month.
- Is your card a debit card? Use Paga Cómodo.
- Another example: split taxes, such as property tax or personal income tax.
- Or, also, payments you have made through Bizum.
And you can do it yourself, without explanations, from the website or app.
1. Use the “Paga Cómodo” button
You will find it in your global position, in checking the activity of each of your Bankinter accounts, or of the accounts of other entities that you have included in our aggregator.
2. Select the payments and purchases
Available for payments from €90.
3. Select your card
If you have more than one Bankinter credit card, select which one you want to use.
4. Decide how you want to pay
You can choose the number of monthly instalments, between 3 and 36, or you can choose according to the amount of the instalments with a minimum of €30/monthly instalment.
And that's it!
You pay nothing for the month in which you make the transaction. Your first instalment will be paid the following month. For example, if you decided to use Paga Cómodo on 4 July, you will not pay the first instalment until August.
Do you want to know the cost of paying comfortably?
You split a payment of €200
And you choose to use Paga Cómodo by splitting that payment into three instalments.You would only pay a fee of €1.50/month(1)
Which translated into banking terms would be an APR of 9.40%(2).The final amount of your purchase:
€204.50. Isn't it worth paying comfortably?Paga Cómodo: pay comfortably whenever and however you want.
Useful information
-
Show/Hide legal text1 Paga Cómodo: The monthly fixed fee depends on the amount and the number of months in which you choose to split your purchase. For purchases exceeding €90. 0.00% NIR (maximum APR of 18.74% and minimum APR of 6.89%).
The APR may vary depending on the amount, the payment period applied and the payment date.
A typical example for a Paga Cómodo payment of €200, made on 1 March 2022, with a repayment period of four months, the first month being a total grace period, with a NIR of 0.00%, APR 9.40%, and the first payment on 30 April 2022. Total amount owed €204.51, of which €0 is interest. Total cost €4,5. Three monthly instalments of: €68.17 (€66.67 principal and €1.50 fixed monthly fee). French repayment system.
Minimum APR: A typical example for a Paga Cómodo payment of €90, made on 1 March 2022, with a repayment period of four months, the first month being a total grace period, with a NIR of 0.00%, APR 6.89%, and the first payment on 30 April 2022. Total amount owed €91.50, of which €0 is interest. Total cost €1,5. Three monthly instalments of: 30.50 (€30.50 principal and €0.50 fixed monthly fee). French repayment system.
Maximum APR: A typical example for a Paga Cómodo payment of €750, made on 1 March 2022, with a repayment period of 13 months, the first month being a total grace period, with a NIR of 0.00%, APR 18.74%, and the first payment on 30 April 2022. Total amount owed €834, of which €0 is interest. Total cost €84. Twelve monthly instalments of: €69.50 (€62.50 principal and €7 fixed monthly fee). French repayment system.
Available with our Combo, Única, Quiero, Solidarios, Siempre and Tu y Yo cards: Cards issued and financing offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment institution with a safeguard system whereby the funds are deposited 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 issuer is Bankinter, S.A., which also offers the financing.