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Pagolisto
Split the payment of movements of your account. If now is not the right time, choose Pagolisto!
- As many movements as you want, up to €1,000.
- Your payment will be divided into 3 monthly installments.
- You will know from the beginning how much you will pay.
Large payment? Make it smaller with your virtual credit card
A virtual credit card
To split the payment
The amount of receipts, transfers, Bizum or debit card movements, previously debited to your account.
This is not the usual credit card
But a virtual one only to split movements of your account1.
It's transparent: you'll always know how much you'll pay
With no interest (NIR: 0%) and with one single fee paid with your first instalment that can be: €2 (APR: 6,22% - 12,91%2), €5 (APR: 10,63% - 16,44%3), €7 (APR: 8,84% - 15,25%4) and €12 (APR: 7,52% - 15,73%5).
It's convenient: manage everything from Santander App
You will be able to see the information of the operation, view outstanding instalments and the expected due date.
Everything under control and with total security
Remember
Pagolisto is for exclusive use to split the movements of your account that you have selected. It cannot be used to pay in physical or virtual stores, or for cash withdrawals at ATMs.
With Pagolisto you only pay a commission that depends on the amount you want to split and you do not pay interest, (remember that the APR of the operation varies depending on the fractional amount). We explain:
| Amount of |
up to €200 |
€200,01 to €300 |
€300,01 to €500 |
€500,01 to €1,000 |
|---|
Still don't know how Pagolisto works?
Here is an example!
Imagine you use Pagolisto para a €450 bill. You would only pay €7 in fees.
Since we're talking about three monthly payments, the maths would be like this:
- First payment: €157 (€150 + €7 fee, APR 9,88%6).
- Second payment: €150.
- Third payment: €150.
- Total amount due: €457.
With your last payment, Pagolisto is finished for now!
1. Card eligibility subject to the bank's prior approval. This card allows for deferred payment (revolving). Please bear in mind that you can consult Annex 1 to Bank of Spain Circular 5/2012, with quarterly information about fees and rates frequently practiced or offered to consumers in Spain, on the notice board and public website of our Entity and that of the Bank of Spain.
This card only allows payment to be deferred. Remember to use your credit card in a responsible manner.
Abusive usage of financing entails a risk of indebtedness with long-term consequences that may affect your financial planning.
2. For an amount of €100, over three months: €2 fee, interest-free. APR: 12,91%, calculated considering an amount drawn down of €100. Total amount owed €102 to be repaid in 2 first monthly installments of €33.33, a last installment of €33.34 and a total credit cost of €2. €0 credit card issuance and maintenance fee.
For an amount of €200, over three months: €2 fee, interest-free. APR: 6,22%, calculated considering an amount drawn down of €200. Total amount owed €202 to be repaid in 2 first monthly installments of €66.67, a last installment of €66.66 and a total credit cost of €2. €0 credit card issuance and maintenance fee.
3.For an amount of €200.01, over three months: €5 fee, without interest. APR: 16,44%, calculated considering an amount drawn down of €200.01. Total amount owed €205.01 to be repaid in 3 monthly installments of €66.67 and a total cost of credit of €5. €0 credit card issuance and maintenance fee.
For an amount of €300, over three months: €5 fee, without interest. APR: 10,63%, calculated considering an amount drawn down of €300. Total amount owed €305 to be repaid in 3 monthly installments of €100 and a total credit cost of €5. €0 credit card issuance and maintenance fee.
4. For an amount of 300.01, for three months: Fee of €7, without interest. APR: 15,25%, calculated considering an amount drawn down of €300.01. Total amount owed €307.01 to be repaid in 2 first monthly installments of €100, a last installment of €100.01 and a total credit cost of €7. €0 credit card issuance and maintenance fee.
For an amount of €500.00, over three months: €7 fee, interest-free. APR: 8,84%, calculated considering an amount drawn down of €500. Total amount owed €507 to be repaid in 2 first monthly installments of €166.67, a last installment of €166.66 and a single commission of €7. €0 credit card issuance and maintenance fee.
5. For an amount of €500.01, over three months: €12 fee, interest-free. APR: 15,73%, calculated considering an amount drawn down of €500.01. Total amount owed €512.01 to be repaid in 3 monthly installments of €166.67 and a total credit cost of €12. €0 credit card issuance and maintenance fee.
For an amount of €1,000, over three months: €12 fee, interest-free. APR: 7,52%, calculated considering an amount drawn down of €1,000. Total amount owed €1,012 to be repaid in 2 first monthly installments of €333.33, a last installment of €333.34 and a total credit cost of €12. €0 credit card issuance and maintenance fee.
6. For an amount of €450, over three months: €7 fee, without interest; APR: 9,88%, calculated considering an amount drawn down of €450. Total amount owed €457 to be repaid in 1 first monthly installment €157, in the second installment of €150 and in the last installment €150 and a total credit cost of €7. €0 credit card issuance and maintenance fee.
Pagolisto
- As many movements as you want, up to €1,000.
- Your payment will be divided into 3 monthly installments.
- You will know from the beginning how much you will pay.
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