Virtual Credit Card

100% digital, 0% plastic. Start using it right away!

Virtual Credit Card
Ventaja_1_Tarjeta_Debito
Fee-free
Free issuance and renewal! Plus, you can use it right away!
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Secure shopping
3D Secure Code System and free payment confirmation alerts by SMS.
More flexibility
More flexibility
Choose between a fee-free lump sum payment at the end of the month (0% APR1 and annual NIR) or fixed or variable instalments at 19.56% APR2 and 18% annual NIR.
Pay at your own pace
Pay at your own pace
Zero-interest financing (0% APR3 and annual NIR) over 1 month for your purchases and payments of at least €30. Or, if you prefer, you can pay in instalments, over 2 to 36 months (14.93% APR4 and 14.00% annual NIR).
Virtual & instant
It's added to your mobile straight away, as if by magic.
  • Start to use your card right away5.
  • Fast and secure! Online shopping and in-store payment with contactless technology. For security purposes, you will need to enter your PIN for payments over €50.
Free
From application to maintenance - it's all free.Find out more
Secure
Peace of mind when you pay from day one.Find out more
Want to learn more about the Virtual Credit Card?
How much does the Virtual Credit Card cost?
What are the fees?
Can you finance card purchases?
Can you finance other transactions or payments that you haven't made with the Virtual Credit Card?
What are the advantages?
Does it include any insurance?
How can you get your Virtual Credit Card?
What are Open Discounts?
Where can you check the fees and interest rates for this card?
Need more information?

1 Representative example for €1,500 drawn and paid in full at the end of the month: 0% NIR; 0% APR; Total amount of credit: €1,500. Total amount due: €1,500. Total cost of credit: €0. Card issuance fee: €0.

2 Representative example for €1,500 drawn on 1st of the month, with financed payment option (revolving), and 48 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: 18.00% NIR; 19.56% APR; 47 instalments of €44.06 and a final instalment of €44.25. Total amount of credit: €1,500. Total amount owed: €2,115.07. Total cost of credit: €615.07. The calculation includes the card issuance fee: €0. 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. French amortisation schedule. Therefore, for this specific example, the cash purchase price would be €1,500 and the total amount to be repaid in instalments would be €2,115.07. Please note that the monthly instalments are first and foremost used to pay off the agreed interests and charges and, secondly, to repay the amount borrowed; therefore, choosing reduced instalments may only cover repayment of the residual interest proportion of the credit.

3 Representative example for a purchase of €200 financed over 1 month: 0% annual NIR, 0% APR. Lump-sum payment: €200. Total amount owed: €200. Total amount of credit: €200. Total interest: €0. French amortisation schedule.

4 Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 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: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. 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. French amortisation schedule. Therefore, for this specific example, the cash purchase price would be €200 and the total amount to be repaid in instalments would be €204.68.

5 Card issuance subject to approval by Openbank.

6 See terms and conditions of the policy.