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PAGA CÓMODO SERVICE

Use Paga Cómodo with your card even if you haven't paid with it.

You can do this with Paga Cómodo, a new service for your Bankinter credit cards with which you can pay in instalments for current account transactions of more than €90.
  • You will be able to pay in instalments from your Bankinter accounts or from the accounts of other banks that you have in our aggregator.
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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.

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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. Choose the transactions you want to finance

You can split the transactions over €90.

3. Select your card

If you have more than one Bankinter credit card, select which one you want to split the payment with.

4. Decide how you want it to be split

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?

The Paga Cómodo Service applies a fixed monthly fee depending on the amount you want to pay in instalments and the term you choose. But to give you an idea, here is an example that will help you.

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?

Ver Paga Cómodo Terms and Conditions Paga Cómodo Terms and Conditions

1 The monthly fixed fee depends on the amount and the months in which you choose to split your purchase.

2 For purchases exceeding €90.

NIR 0.00% (maximum APR 18.81% and minimum APR 6.89%).

The APR may vary depending on the amount, the payment period applied and the payment date.

A representative example for a Paga Cómodo (comfortable payment) of €200, made on 1 June 2021, with a repayment period of four months, the first month being a total grace period and with a NIR of 0.00%, APR 9.40%, the first payment will be made on 31 July 2021. 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 representative example for a Paga Cómodo (comfortable payment) of €90, made on 1 June 2021, with a repayment period of four months, the first month being a total grace period and with a NIR of 0.00%, APR 6.89%, the first payment will be made on 31 July 2021. 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 representative example for a Paga Cómodo (comfortable payment) of €750, made on 1 June 2021, with a repayment period of 13 months, the first month being a total grace period and with a NIR of 0.00%, APR 18.81%, the first payment will be made on 31 July 2021. 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 entity 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.