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Payment options

At IKEA, we want to help make homes functional and stylish for the many people, without payment being a barrier. So we have a wide range of payment options that can be used both in-store and online, including our finance service.

A woman looking at the IKEA website on her mobile phone

Ways of paying at IKEA:

Whether you're looking to buy a kitchen or just a hot dog, we have plenty of payment options to meet all your needs.

Payment methods accepted in store:

We accept most credit/debit cards: Visa, Mastercard, American Express, 4B and mobile apps such as Apple Pay and Google Pay. You can also pay with cash, gift cards,  refund cards* or a nominative cheque.

*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 or by nominative cheque.

Payment methods for online purchases:

Our payment method for online orders is safe and secure. We accept the following payment methods:

  • Credit or debit card (VISA, Mastercard and American Express). 
  • PayPal.
  • Gift or refund card (Valid for payments below EUR 1,000)*
  • Purchase financed over up to 48 months (0% APR)1. See terms and conditions for finance.
  • Bank transfer for private customers via Trustly.

It is not possible to make a payment using two or more credit cards/payment methods except for gift or refund cards.*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. You can pay by bank transfer via TRUSTLY, when the delivery period exceeds 5 days. This online payment method is for private customers only. Once the payment process is complete, you will receive an email informing you that IKEA has received your request and your order will be confirmed in the next few hours. For companies wishing to pay for purchases by bank transfer, please consult our remote sales platform here.

Cash payments: 

Cash payments of EUR 1,000 or over are prohibited. 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 or by nominative cheque.

  • You can get a gift card in any of our stores. Choose the amount (this may not be equal to or exceed EUR 1,000 in accordance with Law 11/2021) and off you go. IKEA gift cards don't expire and, if you want to, you can use just part of the balance. You can check the available balance, the characteristics of the card, the countries where it can be used, terms and conditions and refund options here. There are no names on the gift cards, so they can't be replaced if they get lost.

    The use of these cards for payment is restricted to purchases under EUR 1,000 in accordance with Law 11/2021, of 9 July, on measures to prevent and combat tax fraud, which established new rules 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 may not be made for transactions equal to or exceeding EUR 1,000.

  • IKEA gift cards don't expire and, if you want to, you can use just part of the balance. You can check the available balance, the characteristics of the card, the countries where it can be used, terms and conditions and refund options here. There are no names on the gift cards, so they can't be replaced if they get lost.

    The use of these cards for payment is restricted to purchases under EUR 1,000 in accordance with Law 11/2021, of 9 July, on measures to prevent and combat tax fraud, which established new rules 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 may not be made for transactions equal to or exceeding EUR 1,000.

  • Finance your purchase over up to 48 months interest-free.

    0% APR(1) Everything you want with your IKEA VISA card online and in store! Make comfortable payments for purchases made in store, on IKEA.es or via the telephone sales service over up to 48 months interest-free (APR 0%(1)). Remember – on IKEA.es, all you need to do is enter your IKEA VISA card details and then choose your finance. 

    1. Finance through the IKEA VISA card is issued by the hybrid payment institution CaixaBank Payments & Consumer E.F.C., E.P., S.A.U., and is subject to approval. 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. Interest-free finance for purchases in IKEA stores in mainland Spain and online at IKEA.es is available over 3, 6, 10, 12, 24, 36 and 48 months. NIR: 0%. APR: 0%. Minimum amount of EUR 10 for 3, 6 or 10 months; and EUR 120, EUR 240, EUR 720 and EUR 960 for 12, 24, 36 and 48 months, respectively. Representative example for a EUR 1,500 purchase financed over 48 months. 48 instalments of EUR 31.25. Total amount due: EUR 1,500. French amortisation system.


Payment terms and conditions

Payment terms and conditions depend on the payment method you're using.


FAQ

  • Make sure that the information you've entered matches the card. If you're still having trouble, contact your bank or the issuer of the card to find out why the payment was declined.

  • ​If you’re a non-EU resident, business owner shopping abroad, international student, NATO military employee or diplomat, and you purchased something from IKEA in an EU country, you’re entitled to a VAT refund. Please check what the procedures are in your country of residence with your local tax authorities.