Finance for individuals with IKEA VISA

Making your dreams come true is easy with the IKEA Visa card⁽¹⁾.

Conveniently pay for the purchases that you make in store, at IKEA.es or by phone over a period of up to 24 months interest free. 0% APR⁽¹⁾!

Remember, just enter your IKEA VISA card details at IKEA.es and you'll be able to choose your finance option:

You can use your IKEA Visa card for your day-to-day shopping outside of IKEA stores
Flexible access to finance
You can finance purchases of EUR 10 up to EUR 3,000
Your purchase spread over up to 72 months

Apply for an IKEA VISA card

You will be redirected to our partner financial institution, CaixaBank Payments & Consumer, during the application process.

How to apply | Monthly payments | Benefits | FAQ | Terms and conditions

How to apply

Apply online

You will be redirected to our partner financial institution, CaixaBank Payments & Consumer, during the application process.

Go to CaixaBank P&C

Activate card

Receive your physical card within 15 days. Activate it using the IKEA Visa app (Google Play and Apple Store), by phone or by entering your PIN on orders over EUR 50.

Start shopping

Use your card to shop in any online or physical store that accepts Visa. If you ever forget your PIN, you can check it in the IKEA Visa app.

Frequently asked questions about financing

Applying for the card

It's free — there are no issuance or maintenance fees.

It's universal — it's valid at IKEA and anywhere else that accepts Visa.

Spread out the payments on your IKEA purchases over up to 72 months interest free, both in store and online. When shopping at IKEA or anywhere else, you can choose:

To pay in instalments: choose the revolving payments offered by your IKEA VISA card, you choose how much you want to pay each month (with minimum payments from EUR 5 per month)² and the capital that you repay can be used again.

Or pay in full with a single payment at the end of the month. This way, you'll be able to choose to pay in instalments on purchases made at stores other than IKEA: pay for purchases over EUR 30 in 3, 6, 10 or 12 monthly instalments³.
One of two ways:

Apply online and receive your IKEA VISA card by post in around 15 days.

Go to the financing counter at your regular store, where we can issue you your IKEA VISA card and you'll be able to use it straight away in IKEA stores and elsewhere.
You just need to provide:

An ID document such as your DNI (Spanish national identity card) or passport.

An original bank statement showing your name and account number for collection of payment.

Original copy of a proof of income:

Your most recent payslip.

Self-employed people, managers and administrators: last individual tax return (form 100) or quarterly return (form 130 or 131).

Pensioners: certificate of monthly pension income.

If you are a CaixaBank, S.A. customer, you'll just need your DNI/NIE (foreigner's identity card) and your credit or debit card to process your application.

Managing your IKEA VISA card

You can activate it in the following ways:

Through the app, by downloading the IKEA VISA app here, or on the website by going to the IKEA VISA Customer Area.

Make a purchase of over EUR 50 and enter your PIN.

Call 900101131 Monday to Friday, 9:00 to 21:00.
If you forget your PIN, see it instantly using the IKEA VISA app.

If you don't have it yet, download it here:

For iOS: App Store

For Android: Google Play
The billing period for purchases ends on the 20th of each month.

You can see your transactions and how much you need to pay on the IKEA VISA app or in the IKEA Customer Area.

Your statement will provide you with a breakdown of your IKEA VISA card transactions. You will pay the established amount for your purchases: if you have chosen deferred (revolving) payment, you will pay the amount that you chose, from EUR 5 monthly, adhering to the minimum payment that the entity establishes to ensure that your debt does not grow over time², plus the amount of any instalments you have for purchases made at IKEA. If you have chosen to pay at the end of the month, you will pay for all of the purchases that you have made during that month, keeping in mind that you can spread the cost of any purchases made outside of IKEA.
You can change your payment method for your IKEA VISA card at any time.

The payment method will be updated depending on the date on which you make the change:

1st to 20th of each month: the payment method will be updated for the current billing cycle.

21st to the end of the month: the payment method will be updated for the next billing cycle.

You will be able to choose your preferred payment method:

Deferred payment (revolving)

End of month

If you choose the revolving payments offered by your IKEA VISA card, you choose how much you want to pay each month (with minimum payments from EUR 5 per month) and the capital that you repay can be used again, adhering to the minimum payment that the entity establishes to ensure that your debt does not grow over time.

If you choose the end-of-month payment method, you'll also be able to split your desired purchase over a period of 3, 6, 10 or 12 months⁽³⁾.

Using your IKEA VISA card on a daily basis

On the IKEA VISA app

In the IKEA VISA Customer Area.

For FREE at any ATM with the SERVIRED logo

By calling 900 101 131.

Through your monthly statement

Still have questions?

If you would like more information, please contact us through any of our channels and we will be happy to help you.

More info

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 the 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 instalment price and total amount due: EUR 3,231.57. Total cost of credit (interest): EUR 231.57.French amortisation system.

2. Choose your monthly repayment amount, a minimum of EUR 5, provided that this instalment is no less than the monthly amount that we set to avoid your debt being prolonged over time. The terms and conditions of this minimum instalment are established in the European Standardised Information Sheet and in the contract and will be calculated in your customer area on the website or app, as well as your monthly statement, based on the arranged amount. Representative example for a purchase financed through the revolving payment method of EUR 1,500. NIR: 20.88%. APR: 23%. 48 monthly instalments of EUR 46.35. Interest and total cost of credit: EUR 724.80. Total instalment price and total amount due: EUR 2,224.80.French amortisation system.

3. Split payment service valid for purchases made outside of IKEA. Purchases over EUR 30 can be split, provided that the end-of-month payment method is chosen at the time of purchase. The request to split payments must be made before the 20th of each month. To split over 3 months – minimum amount: EUR 30, NIR: 0% APR: 19.77%, service price: 3% to be paid in the first instalment. Representative example for a split purchase of EUR 1,500 – first instalment: EUR 545, remaining instalments: EUR 500, total amount owed: EUR 1,545. Total cost of credit: EUR 45. Total instalment price: EUR 1,545. To split over 6 months – minimum amount: EUR 60, NIR: 14.95%, APR: 16.01%. Representative example for a split purchase of EUR 1,500: 6 instalments of EUR 261.01, interest of EUR 66.06, total amount owed: EUR 1,566.06. Total cost of credit: EUR 66.06. Total instalment price: EUR 1,566.06. To split over 10 months – minimum amount: EUR 100. NIR: 14.95%, APR: 16.01%. Representative example for a split purchase of EUR 1,500: 10 instalments of EUR 160.47, interest: EUR 104.70, total amount owed: EUR 1,604.70. Total cost of credit: EUR 104.70. Total instalment price: EUR 1,604.70. To split over 12 months – minimum amount: EUR 120, NIR: 14.95%, APR: 16.01%. Representative example for a split purchase of EUR 1,500: 12 instalments of EUR 135.35, interest: EUR 124.20, total amount owed: EUR 1,624.20. Total cost of credit: EUR 124.20. Total instalment price: EUR 1,624.20. French amortisation system used for split payments over 3, 6, 10 or 12 months.