Payment and financing methods

You can pay for your online purchase with:

• Your credit or debit card (VISA, Mastercard or American Express).
• Using your PayPal account. With PayPal, you can pay for all your purchases at IKEA.es securely without additional costs.
• You can conveniently pay for your purchases online or by phone using the BIZUM payment method. The transaction will be carried out through your home phone number. After entering it and accepting the transaction, you must enter your banking app to confirm the payment. The maximum amount you can pay through Bizum depends on each bank. Check which one is your bank for payments in stores. 
• If you have an Apple device with IOS you can pay through ApplePay in the APP and on the web on your mobile.
• Gift cards and refund cards (less than EUR 1,000). You can use gift cards for any delivery or collection methods. You can also pay using a refund card if the card has a PIN on the back. The conditions are the same as for using a gift card.
• You can spread the cost of your purchases with your IKEA VISA card. Pay for purchases made in store and at IKEA.es over up to 48 months interest free (0% APR (1) (see financing terms). Remember: at IKEA.es all you have to do is enter your IKEA VISA card details and choose your financing. You can change the split payment for this purchase to the regular payment method that you have set for your card via the IKEA VISA app or by calling +34 934 048 610.

In accordance with Law 11/2021, of 9 July, on measures to prevent and combat tax fraud, new rules have been established against tax avoidance practices that directly affect the functioning of the internal market. From 11 July 2021, full or partial payment in cash or by bearer instrument (including gift and/or refund cards) may not be made for transactions equal to or exceeding EUR 1,000.*   

Payment may not be made using two or more credit cards or payment methods, except for gift/refund cards, which may used in combination with others.

For companies wishing to pay for purchases by bank transfer, please consult our remote sales platform here.

(1) NIR: 0% APR: 0%. Minimum amount of EUR 10 over 3, 6 or 10 months; and EUR 120, EUR 240, EUR 720 and EUR 960 over 12, 24, 36 or 48 months, respectively. 

Cash payment may not be made for amounts equal to or exceeding EUR 1,000

At all of our IKEA stores, you can pay using VISA, Mastercard, 4B and American Express cards, in instalments using our IKEA VISA card (see conditions), or using IKEA gift cards, IKEA refund cards and/or cash.

In accordance with Law 11/2021, of 9 July, on measures to prevent and combat tax fraud, new rules have been established against tax avoidance practices that directly affect the functioning of the internal market. From 11 July 2021, full or partial payment in cash or by bearer instrument (including gift and/or refund cards) may not be made for transactions equal to or exceeding EUR 1,000. From that date, all payments equal to or exceeding said amount must be made using a credit or debit card.

At IKEA, we make things easy for you. When making your purchases, either in store or online, you can choose from any of the main payment methods we accept.

At IKEA stores, you can pay using VISA, Mastercard, 4B and American Express cards, our IKEA VISA card, IKEA gift cards, IKEA refund cards and/or cash. In accordance with Law 11/2021, payment in cash may not be made for transactions equal to or exceeding EUR 1,000. Payment of amounts exceeding EUR 999.99 must be made using a card or cheque.

Payment at IKEA Design points may only be made by card.

You can pay with a gift or refund card, or combine them with other kinds of accepted payment methods. The maximum amount for gift cards or refund cards is EUR 999 and you can only use them on orders that do not exceed this amount.

You cannot use more than one means of payment (where any such method is cash or bearer instrument) on the same invoice if the total amount of the invoice is EUR 1,000 or more. Using more than one means of payment is only allowed if they are all credit and/or debit cards and/or bank cheques made payable to IKEA IBÉRICA, SAU.

IKEA does not offer payment on delivery for any of our products or services.

This is an anti-fraud security control to guarantee a higher level of security and strong authentication when you use your debit or credit cards to buy via the Internet.

Depending on the type of card, this control is also known as "MasterCard SecureCode" or "Verified by Visa".

Once you have entered your bank card data, you will be transferred to a screen where you will be asked to enter a secret key consisting of a numerical code that will be provided in different ways depending on your bank:

• Sending the numerical code to your mobile phone via SMS.
• Or by a coordinate card that your banking institution provides to you beforehand and that enables you to unmistakably identify the numerical code.

Your financial institution will authenticate the transaction in a few seconds, and will confirm that it is you that is making the purchase.

If your bank sends SMS messages, remember that when you make a request to the bank for payment via credit/debit card, the institution will ask you for certain data, including your mobile phone number. If you have changed your mobile number, we recommend that you contact your bank.

If your bank uses coordinate cards as their method for providing you with a security key, they will have provided it to you at the time that they sent you the card and the rest of the documentation. If this is not the case, we recommend that you contact them so that they will send it to you.

With an IKEA VISA card, you have the benefit of immediate, flexible finance.

You can finance your purchases using our IKEA VISA card. It's free and there are no issuance or maintenance fees. It's valid at IKEA stores and anywhere else that accepts VISA.

To finance your online purchases, use your IKEA VISA card to pay on IKEA.es and choose the plan to spread your payment that best suits you.

You can perform any management tasks or make any changes from your smartphone with the IKEA VISA app or by calling +34 900 101 131.

To request your IKEA VISA card, go to the Finance Services section of our website, where you can see all the benefits and conditions.

In the event of loss or theft, you should immediately block your card through the IKEA VISA app, or by calling +34 900 101 13, or +34 933 203 324 if calling from abroad, and requesting that your card be cancelled. A replacement card will be issued and sent to your home address.

(1) Financing arrangement and card provided by CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. and subject to approval. Offers valid until 31/08/2020. NIR: 0%. APR: 0% for IKEA online purchases. Minimum credit amount: EUR 10. Maximum credit amount: EUR 15,000.

With the IKEA gift card you can't go wrong!

You can get a gift card in any of our stores. Choose the amount (up to EUR 1,000 per card) and off you go. The IKEA gift card has no expiry date and you can always split it over a number of payments if you need to.

You can check the available balance, the characteristics of the card, the countries where it can be used, the terms and conditions, and the refund options here.There are no names on the gift cards, so they can't be replaced if they get lost.