IKEA Family credit card

*From the date of purchase, you can convert any purchase of €99 or more made with your IKEA Family credit card at IKEA Germany into a 0% financing plan with a term of 3, 10, or 20 months within 30 days in your online banking account; IKEA purchases of €4,000 or more can be converted with a term of 36 or 48 months. If you do not convert your purchase, the agreed price and service list applies in addition to the contract terms. Both can be found at any consultation desk or at Ikea.de/Kreditkarte. Subject to creditworthiness. The lender is Ikano Bank AB (publ.), German Branch, Wettinerstraße 5, 65189 Wiesbaden.

0% financing from €99

You can convert any of your IKEA purchases of €99 or more into 0% financing* with a term of 3, 10 or 20 months within 30 days from the date of purchase.

You can convert your IKEA purchases of €4,000 or more into 0% financing* with a term of 36 or 48 months within 30 days from the date of purchase.

*From the date of purchase, you can convert any purchase of €99 or more at IKEA Germany that you made with your IKEA Family credit card into 0% financing with a term of 3, 10 or 20 months in your online banking account within 30 days. IKEA purchases from €4,000 can be converted into 0% financing with a term of 36 or 48 months. If you do not convert your purchase, in addition to the contractual terms, the agreed price and service list applies. You can also find both at any advice desk in your IKEA store. Subject to creditworthiness.

The lender is Ikano Bank AB (publ.), Germany branch, Wettinerstraße 5, 65189 Wiesbaden.

You will not be charged any annual fee for your IKEA Family credit card. 

IKEA Family credit card purchases won’t be charged to your account until the debit date after next. No interest will be charged during this period.

If you do not use the 0% financing offer, you can also repay the amount in full or in small, self-selected instalments (effective annual interest rate 15.75%). Lender: Ikano Bank AB (publ.), Germany branch, Wettinerstraße 5, 65189 Wiesbaden. Approval/credit limit depends on creditworthiness.

Instalment example: Financing amount €1,000; 1st to 28th instalment: €42.41 and final instalment: €35.17. Effective annual interest rate 15.75%, variable borrowing rate 14.71%. Total repayment amount: €1,180.24. Minimum instalment: €25 or 2.5% of the outstanding balance.

Apart from that, the amount and number of instalments can be freely selected within the credit limit. Lender: Ikano Bank AB (publ.), Germany branch, Wettinerstraße 5, 65189 Wiesbaden.

The monthly instalment can be adjusted at any time in online account management. It is also possible to switch to full repayment of your purchases.

Every IKEA Family credit card purchase is worthwhile.

• Every purchase gets you a 1 % bonus in the form of an IKEA coupon (maximum €30 per year).

Your IKEA Family credit card automatically includes IKEA Family membership for you to benefit from exclusive perks such as free transport insurance, discounts on selected products, and a free coffee at the IKEA Swedish restaurant.

You can use your IKEA Family credit card at IKEA stores and online right away.

You can view all your transactions and account statements, and choose your instalment plan (choose full or partial payment, set an instalment amount to suit your budget) using our IKEA Family credit card online banking service. The 3D Secure process provides additional security when you shop online.

You can also book optional card services such as shopping and travel insurance.

What are the requirements when applying for an IKEA Family credit card?

• Age at least 18
• Residence in Germany, valid bank details
• Identification at your IKEA store or using OnlineIdent/PostIdent identification services

What documents do I need to include with my application?

German and EU citizens: 

• Valid official photo ID (passport, national identity card)
• No address on your ID? Registration certificate (Meldebescheinigung) (from less than a year ago) or electricity or gas bill (sent to the applicant less than a year ago) or proof of salary or telephone bill (issued to the applicant within the last three months)

Non-EU citizen:

• Valid passport
• Permanent German or EU residence permit)
• Registration certificate (Meldebescheinigung)
• Alternative proof of address: electricity or gas bill (from less than a year ago); phone, internet/TV, mobile phone bill, or salary slip (from within the last three months) issued on the name of the applicant

Can I apply at an IKEA store? 

You can apply online or at an IKEA store or planning studio. Please note that you will need your mobile device for this.

You can go shopping at IKEA right away using your IKEA Family credit card.

How does the approval process work?

First, you apply at an IKEA store, planning studio, or online. After approval, we’ll provide you with a temporary card for you to use right away online or at an IKEA store or planning studio. 

How high is the minimum purchase amount for financing?

You can switch an IKEA purchase worth €99 or more to 0 % financing.

If you do not make use of the 0% financing offer, you can also repay the amount in full or in small, self-selected instalments (effective annual interest rate 15.75%). Lender: Ikano Bank AB (publ.), Germany branch, Wettinerstraße 5, 65189 Wiesbaden. Approval/credit limit depends on creditworthiness.

Instalment example: Financing amount €1,000; 1st to 28th instalment: €42.41 and final instalment: €35.17. Effective annual interest rate 15.75%, variable borrowing rate 14.71%. Total repayment amount: €1,180.24. Minimum instalment: €25 or 2.5% of the outstanding balance.

Apart from that, the amount and number of instalments can be freely selected within the credit limit. Lender: Ikano Bank AB (publ.), Germany branch, Wettinerstraße 5, 65189 Wiesbaden.

The monthly instalment can be adjusted at any time in online banking. It is also possible to switch to full repayment of your purchases there.

Can I use my IKEA Family credit card to make purchases instantly?

Your application will only take a few minutes to approve. You can start shopping right away after presenting your credit card membership at the IKEA store or planning studio. We’ll issue you a temporary card to start with.

However, you can also use the OnlineIdent service for identification. This only takes a few minutes, and you can use your IKEA Family credit card immediately after that.

Your IKEA Family credit card will take only a few days to get to you once you’ve completed the PostIdent process and submitted your contract documents at Deutsche Post. 

How will I receive my final credit card, and how do I use it?

We’ll be sending you your IKEA Family credit card and PIN by post.

Where can I use my IKEA Family credit card?

Anywhere that accepts VISA. Your IKEA Family credit card also includes V-PAY.

How can I check my account balance?

You can check your credit limit and balance using our credit card online banking service. You can also select or change your payment options there.

Click here to register for our credit card online banking service.

Can I pay for delivery and assembly service with my IKEA Family credit card?

Yes, you can.

What happens if I take out less than the loan financing I requested?

Your IKEA Family credit card has a credit limit that you set when you apply; you can raise or lower it later. You can make purchases within your credit limit; you will of course only need to pay the amount you actually spent on the purchase.  

How do I cancel my IKEA Family credit card?

You can cancel your credit card contract with Ikano Bank at any time without notice.

How can I convert a purchase to 0 % financing?

Our credit card online banking service will show you all the purchases you can convert to 0 % financing.

How much interest will you charge on my IKEA Family credit card?

Purchases bear interest at an effective annual interest rate of 15.75% and a variable borrowing rate of 14,71%. IKEA purchases of €99 or more can be converted into 0% financing.

How do I get my bonus?

We’ll send you all your bonuses as a QR code by e-mail. 

How can I redeem my bonus?

You can redeem a QR code at any IKEA store.

How do I pay instalments on purchases made using my IKEA Family credit card?

IKEA Family credit card purchases won’t be debited from your account until the debit date after next. We won’t charge any interest during this period. This will give you an interest-free payment period of at least thirty days.

You can make a special instalment at any time by bank transfer to the following bank account:

Recipient: Ikano Bank

Name of bank: BNP Paribas S.A.

IBAN: DE59 5121 0600 4210 0490 54

Reference: Use your nineteen-digit contract ID/contract number

How do I pay instalments on purchases made using my IKEA Family credit card?

IKEA Family credit card purchases won’t be debited from your account until the debit date after next. We won’t charge any interest during this period. This will give you an interest-free payment period of at least thirty days.

You can make a special instalment at any time by bank transfer to the following bank account:

Recipient: Ikano Bank

Name of bank: BNP Paribas S.A.

IBAN: DE59 5121 0600 4210 0490 54

Reference: Use your 19-digit contract ID/contract number

What happens if I miss a payment?

We’ll send you a payment reminder telling you everything you need to know. 

What happens if I return an item I’m still paying instalments for?

We’ll credit the corresponding amounts to your credit card account. 

Who can I contact with any questions I might have about instalments?

Please feel free to contact our customer service:

Ikano Bank

Tel.: 06122 999 911

E-mail: [email protected]

Representative example according to § 17 (4) PAngV: Net loan amount €5,000, contract term/number of installments: 60 months, effective annual interest rate 8.49% p.a., fixed debit interest rate 8.18% p.a., monthly consistent installment 101.82 Euro, and a varying final installment of 77.44 Euro. Total amount 6,084.82 Euro. The contractual partner is Ikano Bank AB (publ), German Branch, Wettinerstraße 5, 65189 Wiesbaden.