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Pagolisto

Split the payment of movements of your account. If now is not the right time, choose Pagolisto!

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.

CHOOSE PAGOLISTO

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Large payment? Make it smaller with your virtual credit card

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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.

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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: