Cards

Defer bill payment

Plan your card payments according to your needs. If you have had unforeseen expenses this month, you can defer your monthly payment so that you can organise your payments in a flexible way.

Choose how much you want to pay from your monthly fee.
Defer the rest of your instalment until next month.
From the App or Online Banking, in just a few steps.

Do it now

Defer payment of part of your card fee

Defer card payment¹ is a functionality with which you can finance part of your monthly card payment for one month. In this way, you will be able to make your payments in a more flexible way that is adapted to your needs.

Choose how much of the total amount of your monthly fee you want to pay. Leave the rest for the following month!

Depending on your card², the amount to be paid cannot be less than 3% of the balance drawn down (minimum € 25) or 5% of the balance drawn down (minimum € 50).

Quick and easy financing

Request the postponement

You can request the deferral through the Santander App or the Online Banking.

Organise your payments flexibly

To defer part of your monthly payment, you do not have to change your card's payment method³.

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Request the postponement

You can request the deferral through the Santander App or the Online Banking.

Organise your payments flexibly

To defer part of your monthly payment, you do not have to change your card's payment method³.

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1. The deferred amount will accrue interest in favour of the Bank at the annual nominal interest rate that is applicable in accordance with the provisions of the contract in relation to the deferred payment modalities.

2. You cannot defer the entire bill; the amount to be paid cannot be less than 3% of the balance drawn down (minimum € 25).

3. This is a deferred payment service. Remember to use your credit card responsibly. The abusive use of financing carries a risk of over-indebtedness with long-term consequences that could affect your financial planning.