Payment options
At IKEA, you can pay securely with any of our payment methods. You can choose from:
In store | Online | Gift card | Refund card | Finance for individuals | Finance for business
In-store purchases
We accept most credit or debit cards1: Visa, Mastercard, American Express, 4B and mobile applications such as Apple Pay and Google Pay.
You can also pay in cash2, with a gift card, refund card** or by banker's cheque.
1 We cannot accept payment using two or more credit cards/payment methods except for gift cards or return cards.
2 Cash payments of EUR 1,000 or over cannot be accepted pursuant to Spanish Law 11/2021, of 9 July, on measures to prevent and combat tax fraud.
Online and telephone shopping
We accept the following payment methods:
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Credit or debit card (VISA, Mastercard and American Express).
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PayPal
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Bizum
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Apple Pay for iOS devices.
- Google Pay for Android devices.
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Gift card and refund card (Valid for payments below EUR 1,000)*
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Monthly payments over up to 24 months, 0% APR1. See lending terms and conditions.
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Bank transfer for individuals via Trustly (for orders with a delivery term of over five days)
Financing for individuals
Enjoy the household you deserve and pay for it little by little* with our financing options.
Financing for your business, 0% APR
With our special interest-free financing terms and conditions (0% APR)(3) for businesses, you'll be able to solve all your furnishing and accessory needs in a flexible way.
- Finance furniture purchases for your business
- Purchases up to EUR 10,000
- Pay in instalments over 3, 6 or 10 months
- Your loan in monthly instalments with 0% APR(3)
Gift card and refund card
- They have no expiry date
- You can split them over a number of payments if you need to.
- Valid in all stores in Spain, except for those in the Balearic Islands, the Canary Islands, Ceuta and Melilla. You can also redeem them in other countries.
- You can choose whether you want it in physical or digital format.
- As the cards are treated as cash, payments of EUR 1,000 or over cannot be accepted pursuant to Spanish Law 11/2021 to prevent tax fraud.
If you go back or the website shows an error when you enter your gift card or refund card details, the card will be blocked for 24 hours for security reasons. Once this period has passed, it may be used normally.
The cards are not nominative and therefore cannot be reissued in the event of theft or loss.
Do you have any questions?
Type one or more words in the search bar to consult our FAQs.
- If you want information about our products, use the search bar at the top of the page.
- Click here
- to check the status of your order
DISCLAIMER.
1. Financing through the IKEA VISA card is issued by the CaixaBank Payments & Consumer E.F.C., E.P., S.A.U. hybrid payment institution and is subject to its authorisation. The system chosen by the institution to protect payment service users' funds is to deposit them in a separate bank account held at CaixaBank, S.A. Learn more about ways of paying with your card here: www.caixabankpc.com/es/productos.Financing available over 3, 6, 10, 12, 18 or 24 months, interest-free (NIR: 0%. APR: 0%), and over 36, 48, 60 and 72 months for purchases made in IKEA stores in mainland Spain or online via IKEA.es, excluding the IKEA ASTURIAS store. Minimum amount of EUR 10 over 3, 6 or 10 months; and EUR 120, EUR 180, EUR 500, and EUR 720 over 12, 18, 24 or 36 months, respectively. Minimum amount of EUR 960 for 48, 60 and 72 months. Maximum amount available for financing: EUR 3,000. Representative example for a purchase of EUR 1,500 spread over 10 months. NIR: 0% APR: 0%. 10 instalments of EUR 150. Total amount owed and total cost of instalments: EUR 1,500. Total cost of credit (interest): EUR 0. Representative example for a purchase of EUR 3,000 spread over 36 months. NIR: 4.89% APR: 5%. 35 instalments of EUR 89.76. Final instalment: EUR 89.97. Total amount owed and total cost of instalments: EUR 3,231.57. Total cost of credit (interest): EUR 231.57.French amortisation system.
2. Loan is offered by the CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. hybrid payment institution, and is subject to its approval. Financing available over 3, 6, 10, 12, 18 or 24 months, interest-free (NIR: 0%. APR: 0%), 36, 48, 60 and 72 months. Minimum amount EUR 60. Maximum amount EUR 9,000. NIR 0%; APR 0%. Representative example for a purchase of EUR 1,000 (total loan amount) spread over 3 months. 2 instalments of EUR 333.33. Final instalment: EUR 333.34. Total amount owed and total cost of instalments: EUR 1,000. Total cost of credit (interest): EUR 0. Representative example for a purchase of EUR 1,000 (total loan amount) spread over 36 months. NIR: 4.84% APR: 5%. 35 instalments of EUR 29.92. Final instalment: EUR 29.97. Total amount owed and total cost of instalments: EUR 1,077.17. Total cost of credit (interest): EUR 77.17.French amortisation system.
3. Example of financing for EUR 1,000.Cash price: EUR 1,000.00. Payment over 10 months, 1 instalment of EUR 104.80 and 9 instalments of EUR 104.64. Borrowing rate 10.00% APR 10.51% (The first instalment and APR may vary based on the date the agreement is signed and the instalment payment dates). Interest EUR 46.56, Total credit amount EUR 1,000.00, Total cost of credit EUR 46.56, Total amount owed EUR 1,046.56, Total cost of instalments EUR 1,046.56. With an agreement date of 2 October 2024 and a first payment date of 2 November 2024. Offer valid until 31 March 2025. French amortisation system.
Financing