Financing account activity

You can use your credit card to pay your purchases, bills, transfers and Bizum in instalments.

From 2 to 36 months.
Pay in instalments from EUR 100.
With no change to your card payment method.

Persona utilizando un ordenador con una tarjeta de crédito en la mano

Activities in your account, at your own pace

You can use your credit card¹ to pay from your account by instalments: purchases, bills, transfers and Bizum from EUR 100, in the instalments you choose (maximum of 36) and with a minimum amount of EUR 18. You can do it via online banking or the Santander App. It's so simple:

How to finance activities in your account?

Select what you want to split

In your Santander App, go to the section for financing activities, and select the movements you want to pay in instalments.

Confirm the card

Confirm the credit card you will be using to finance. The sum of any activities you wish to finance must be more than EUR 100.

Select an account

Select an account for the amount to be paid.

Choose the number of instalments

Choose the number of instalments.

Confirm the transaction

Check and confirm the transaction.

Carousel navigation

Select what you want to split

In your Santander App, go to the section for financing activities, and select the movements you want to pay in instalments.

Confirm the card

Confirm the credit card you will be using to finance. The sum of any activities you wish to finance must be more than EUR 100.

Select an account

Select an account for the amount to be paid.

Choose the number of instalments

Choose the number of instalments.

Confirm the transaction

Check and confirm the transaction.

Carousel navigation

Card eligibility subject to the bank's prior approval. This card allows payment to be deferred. Bear in mind that if you choose too low a repayment, your debt may remain outstanding longer than expected, given that your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card responsibly. Abusive usage of financing entails a risk of indebtedness with long-term consequences that may affect your financial planning.

1. Only available for credit cards with the "payment by instalments" method

Representative example, as per the parameters set forth in the standard on regulation and control of advertising of banking services and products: NIR 18%. APR: 19.56%, calculated based on a drawdown of €1,500 and an issuance and maintenance fee of €0. Total amount repayable €2,114.88, to be repaid in 48 monthly instalments of €44.06. However, please note that, pursuant to the minimum limits for the repayment instalments provided for in the agreement (3% of the drawn balance with a minimum of €25) and considering the same drawdown, the total amount repayable will be €1,835.19 to be repaid in 27 monthly instalments of €67.97. Calculations made in accordance with the fixed-instalment repayment system.