VIA-T

• If you are already a customer you can apply for it  right now on the website, in the app or by calling us

• The granting of the VIA-T device,  on being associated with a credit card, it subject to prior authorisation from Openbank.

VIA-T is the technology that allows you to pay for toll roads or parking with no need to stop your vehicle.

To use the electronic toll service, all you need to do is place the device in the windscreen and the amount will be charged to the credit card associated with your device.

•  Spain: all the toll roads that show the VIA-T sign.

• South of France: toll roads with the VIA-T sign

• Portugal: toll roads forming part of the Vía Verde system and on ex-Scut motorways.

• You can also pay at parking lots in Spain with a card reader and the VIA-T logo.

• The VIA-T device from Openbank allows you to pay in toll roads, avoiding queues and waits, and in  car parks in Spain with VIA-T signs.
• When you approach the toll area you must use one of the lanes with the VIA-T sign. With this device you can use a specific lane and do not have to stop the car.
• You must enter at a maximum speed of 40 km/h, respecting the safe distances.
• When you go through the toll arch a reader will detect the signal issued by the device, which will beep quietly when detected by the system.
• The traffic light will go green and the barrier will automatically rise, allowing you to continue your journey without having to stop.
• The cost of the toll will be charged to the credit card associated with the VIA-T device.

The VIA-T system is also present in some car parks in Spain, to make the process of paying for a stay in those car parks easier.

There are car parks with VIA-T reading on exit but in others there is reading on entry and exit. They work in the following way:

• For car parks with VIA-T reading on entry and exit, on entering the car park you do not need to take a ticket, you can enter and leave the car park without having to lower your window or go to an automatic pay station. If you have the VIA-T device but do not want to use it in the car park, you must remove it from your vehicle before you enter.
• For car parks with VIA-T reading on exit, take a ticket when you enter the car park and then park your vehicle. When you return, you don't need to use the automatic pay station. When you place the ticket into the validator at the exit, the control system will do the rest. It will recognise your VIA-T and automatically open the exit barrier.

• Apply for it, paying €15 for the first year.
• And renew it for €15 per year.

• The amount of the toll or parking will be charged to the credit card associated with the VIA-T device, on the first business day of the following month, without commissions.
• You can see the transactions using the card in your credit card position on the website, in the app or by calling us.
• It works in the same way as any other Openbank credit card.

Of course, you can choose the option that best suits you at any time.

Settle the payment of what you spend in fixed or variable instalments. The minimum you can repay in instalments is 5% of the credit limit of your VIA-T card, with a minimum instalment of €15.

The interest rate for paying in instalments is 1.00% monthly NIR, 12.00% annual NIR (19.36% APR).

Representative example for €500 drawn on 1st of the month, with financed payment option (revolving), and 12 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 12.00% NIR; 19.36% APR; 11 instalments of €43.38 and a final instalment of €43.42. Total amount of credit: €500. Total amount owed: €520.60. Total cost of credit: €20.60. The calculation includes the card issuance fee: €15. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. Therefore, for this specific example, the cash purchase price would be €515 and the total amount to be repaid in instalments would be €520.60.

The APR will vary from the second year onwards after adding the VIA-T renewal fee of €15 per year.

The fees and interest rates for the latest calendar quarter can be found on the “Bulletin Board” tab on the Openbank Legal Information page by clicking here. You can find further information in Annex 1 in the “Information on fees and interest rates charged or offered”.

For further information, call us on (+34) 91 177 33 10 and we'll be glad to help.