Advertising. (1) As long as your economic-financial circumstances do not change.The minimum amount is €500, and the repayment period is from 12 to 84 months, your choice. Minimum payment of €20. The NIR of the loan may vary depending on the amount, duration and intended use. The AER varies based on the NIR. Min. NIR 8.05%. Min. AER 8.35%. Max. NIR 15.80%. 16.99% AER. Example for a €500 loan with a 12-month term NIR: 8.05%. AER: 8.35%. Instalments: 11 instalments of €43.51 and a final instalment of €43.45. Total amount owed: €522.06. Total cost of the loan: €22.06. Interest: €22.06. Example for a €500 loan with a 12-month term NIR: 15.80%. AER: 16.99%. Instalments: 11 instalments of €45.32 and a final instalment of €45.29. Total amount owed: €543.81. Total cost of the loan: €43.81. Interest: €43.81.French repayment system. See how our loans work here.
2) 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. Caixabank Payments & Consumer, E.F.C., E.P., S.A.U., will act as an intermediary when arranging the insurance policy, 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. It is listed in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds with number OV0077, as can be verified by consulting this body, at Paseo de la Castellana, 44, 28046 Madrid, Telephone: 91 339 70 00, www.dgsfp.mineco.es. CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. has arranged with Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros S.A,
with Tax ID A28013050, the relevant professional civil liability policy 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 the applicable laws.
3) The cards are issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. and are subject to its authorisation. 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.