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.
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 (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.
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 (1). Remember – on IKEA.es, all you need to do is enter your IKEA VISA card details and then choose your finance.
Advertising: (1). Financing with the IKEA VISA card, which is issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. and is subject to its approval. The system chosen by the institution to protect payment service users' funds is to deposit them in a separate bank account opened with CaixaBank, S.A.
Interest-free financing available over 3, 6, 10, 12, 18, 24, 36 and 48 months (NIR:0%. Min. AER 0% max AER 2.03%) for purchases made in IKEA stores in the mainland and at IKEA.es, except for the IKEA SEVILLA store. The applicable AER and price of the service will vary depending on the amount and term. Minimum amount of €10 for 3, 6 and 10 months; and €120, €500, €650, €1000 and €1700 for 12, 18, 24, 36 and 48 months, respectively. Maximum amount to finance €3,000. Representative example for a purchase of €1,500 financed over 10 months. 0% NIR 0% AER. 10 instalments of €150. Total amount owed and total price in instalments: €1,500. Total cost of the credit (interest): €0. French repayment system.
Representative example for a purchase of €1,700 financed over 48 months. 0% NIR 2.03% AER.Cost of the service 4%, payable in the first instalment. First instalment of €103.42. 46 instalments of €35.42. Final instalment of €35.26. Total amount owed and total price in instalments: €1,768. Total cost of the loan: €68. Interest €0.
Representative example for a purchase of €1,000 financed over 36 months. 0% NIR 2.00% AER.Cost of the service 3%, payable in the first instalment. First instalment of €57.78. 34 instalments of €27.78. Final instalment of €27.70. Total amount owed and total price in instalments: €1,030. Total cost of the loan: €30. Interest: €0.
Representative example for a purchase of €650 financed over 24 months. 0% NIR 1.96% AER. Cost of the service 2%, payable in the first instalment. First instalment of €40.08. 22 instalments of €27.08. Final instalment of €27.16. Total amount owed and total price in instalments: €663. Total cost of the loan: €13. Interest: €0. French repayment system.
Payment terms and conditions
Payment terms and conditions depend on the payment method you're using.
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