Defer all your purchases: select the revolving payment method offered by your card, and every month, choose how much you want to repay over the minimum (€5 a month)¹, after which the amount paid back will be available as credit again.
Find out more about the revolving payment method. Here.
Pay for your non-IKEA purchases in instalments: if your payment method is at the end of the month, you can also defer the purchase you want over 3, 6, 10 or 12 months².
You can also decide how you want to pay in our IKEA stores: Your purchases up to 48 months interest-free (0% APR)!3
You can also pay it all off at the end of the month in a single payment.
It couldn't be easier
With the IKEA VISA app, you can manage all your card admin. Download it from the App Store or Google Play and start using it! Or, if you prefer, you can go to your favourite IKEA store or call 900 101 131 (Monday to Saturday from 9 a.m. to 9 p.m.).
Take out cash:
And also...
It's free!
No issuance or maintenance costs. Use it securely thanks to the Free Travel Accident Insurance and the optional Payment Protection Insurance5. Enjoy all the advantages your IKEA VISA6 card has to offer to make your day-to-day better.
Go here to see an EXAMPLE of the financing contract you will have to sign if you're interested in taking out this card.
Fast: You'll pay for your stuff in a flash.
Easy: The most convenient way to use your card.
Secure: It uses a unique device number and transaction code.o.
Privacy: It doesn't save details from your transactions that can identify you
If you have iOS, pay with Apple Pay. See how to register your card here. If you have Android, pay through FNAC Credit. See how to register your card here.
Advertising: * The IKEA VISA card is issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. with Tax ID (NIF) A089801653 and is subject to its approval. The system chosen by the institution to protect payment service users' funds is to deposit them in a separate bank account opened with CaixaBank, S.A.
(1) Choose your monthly payment (minimum of €5), provided this amount is not lower than the minimum monthly amount we set to make sure the payment of your debt is not drawn out. The conditions for this minimum payment are those set out in the INE and in the contract, and you will see it calculated in your website customer space or app, as well as in your monthly statement, depending on the amount drawn down. The deferred (revolving) payment option consists of paying for the full amount of the credit used in monthly instalments with interest. Representative example calculated for repaying €1,500 on 01-04-2023 (total amount of credit) in 48 months (first instalment effective 01-05-2023): APR 23%;20.88% NIR. Total amount owed: €2,224.80. Total cost of the credit (interest payment): €724.80. Amount of the monthly payments: 48 instalments of €46.35. French repayment system. The foregoing assumes that you do not perform any new transactions that increase the card's outstanding balance and that the debt is formalised at the beginning of the period.
(2) The deferral service is available for purchases made outside IKEA. Every purchase greater than €30 may be paid in instalments, so long as payment is arranged to be made at the end of the month at the time of purchase. It is necessary to request payment by instalments before the 20th of each month. For instalments over 3 months, minimum amount of €30, NIR 0%, APR 19.77%, service fee of 3%, to be paid on the first instalment; for example, for an instalment purchase of €1,500: first instalment of €545. remaining: €500; total amount owed: €1,545; Total cost of the loan: €45; total price in instalments: €1,545. For instalments over 6 months, minimum amount €60, NIR 14.95%, APR 16.01%; for example, for an instalment purchase of €1,500: instalments of €261.01; Interest: €66.06; total amount owed: €1,566.06; Total cost of the loan: €66.06; total price in instalments: €1,566.06. For payment in instalments over 10 months, minimum amount €100, NIR 14.95% APR 16.01%. for example, for an instalment purchase of €1,500: instalments of €160.47; Interest: €104.70; total amount owed: €1,604.70; Total cost of the loan: €104.70; total price in instalments: €1,604.70. For payment in instalments over 12 months, minimum amount €120, NIR 14.95% APR 16.01%. for example, for an instalment purchase of €1,500: instalments of €135.35; Interest: €124.20; total amount owed: €1,624.20; Total cost of the loan: €124.20; total price in instalments: €1,624.20. Using the French repayment system for instalments at 3, 6, 10 or 12 months.
(3) Interest-free credit available over 3, 6, 10, 12, 18, 24, 36 and 48 months (NIR: 0%. APR 0%) for purchases made in IKEA stores in mainland Spain and at IKEA.es. Minimum amount of €10 for 3, 6 and 10 months; and €120, €180, €900, €1.900 y €2.750 for 12, 18, 24, 36 and 48 months, respectively. Maximum amount to be financed: €3,000. Representative example for a purchase of €1,500 financed over 10 months. 0% NIR, 0% APR. 10 instalments of €150. Total amount owed and total price in instalments: €1,500. Total cost of credit (interest): €0. French repayment system.
(4) Information subject to policy terms and conditions Insurance policy from VidaCaixa, S.A.U. de Seguros y Reaseguros, with tax ID no. A-58333261 and SegurCaixa Adeslas, S.A. de Seguros y Reaseguros with tax ID no. A-28011864. If the insurance operation is contracted, CaixaBank Payments & Consumer will act as an intermediary when arranging the insurance product, as an associate banking and insurance operator of VidaCaixa, S.A.U. de Seguros y Reaseguros, SegurCaixa Adeslas, S.A. de Seguros y Reaseguros and Metlife Europe D.A.C.Branch in Spain, and it is entered in the Register of Insurance and Reinsurance Distributors of the Directorate-General for Insurance and Pension Funds with number OV0077, as can be verified by consulting this body, whose registered address is Paseo de la Castellana, 44, (28046) Madrid, telephone 91 339 70 00, www.dgsfp.mineco.es. CaixaBank Payments & Consumer has arranged with the insurance company Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A., with Tax ID No. A28013050, the relevant policy for professional civil liability to cover any responsibilities that may arise due to professional negligence, subject to the provisions of current legislation, and has sufficient financial capacity in accordance with current legal requirements. The insurance is optional and the monthly premium is the result of applying 0.80% to the balance drawn down on the card.
