IKEA Family credit card
Freedom to pay your way
Get rewarded for spending online and in store, as well as for shopping outside IKEA. Plus, you can enjoy all the benefits of IKEA Family, with extra benefits:
✓ With the IKEA Family credit card, you may be eligible for a 0% interest instalment plan on IKEA purchases from £99 to £2,000.
✓ Collect IKEA Family points everywhere you spend, and unlock rewards within IKEA.
✓ Collect double points for every £5 spent on your IKEA Family credit card at IKEA when used with your IKEA Family member card.
Representative example
£1,200
Assumed credit limit
23.9% p.a.
Purchase rate (variable)
23.9% APR
Representative (variable)
IKEA Limited acts as a credit broker and not a lender and only offers finance products from Ikano Bank AB (publ).
Terms and conditions apply. Other finance products are available. Learn more at IKEA.co.uk/finance
The standard purchase interest rate will apply to all purchases where an instalment plan is not available, not selected, or where you miss or fail to make a payment on your instalment plan. The standard interest rate for purchases will be either 23.9% p.a. variable or 29.9% p.a. variable depending on your financial circumstances. Instalment plan options and availability (subject to terms and conditions and eligibility criteria) are communicated and managed in the IKEA Finance app. Your final monthly instalment may differ from the amount shown. If you miss or fail to make a payment on your instalment plan, any unpaid part of that instalment plan payment will revert to the standard purchase interest rate, and default charges will apply in line with you credit card agreement. All instalment plans will be cancelled once you are two minimum payments behind and interest will then be charged on instalment plan balances at the standard purchase interest rate. Finance is available to UK residents aged 18 or over, subject to status. IKEA Family membership required, join for free at IKEA.co.uk/family. Points are excluded for Gift card purchases within IKEA
Explore the advantages
Flexible payment solutions
Use our flexible payment solutions that fit your needs.
- Credit limits from £500 - £7,500
- You may be eligible for a 0% interest instalment plan on IKEA purchases from £99 to £2,000, up to 20 months.
- Use your IKEA Family credit card immediately with a virtual card
- Purchase with a digital or physical credit card, Apple Pay or Google Pay
No hidden fees
Transparent financing every step of the way.
- 56 days interest-free period on purchases at IKEA and everywhere else - Just pay your full statement balance on time each month
- No annual fee or statement fee
- 3% ATM/Cash withdrawals (min £3)
- 2.75% Currency exchange & Pay worldwide
IKEA Family benefits
Collect double points for every £5 spent on your IKEA Family credit card at IKEA when used with your IKEA Family member card, 1 point for every £10 spent outside IKEA.
- Get discounts on food, purchases and delivery services
- Free tea or filtered coffee
- Just-in-case protection. If you break it, we replace it
- Take part in free workshops and events
- Learn more
Set up your 0% interest instalment plan in seconds
With the IKEA Family credit card, you may be eligible for a 0% interest instalment plan on IKEA purchases from £99 to £2,000 (3% fee on plans for non-IKEA purchases).
- 3 months £99 – £299
- 10 months £300 – £1,199
- 20 months £1,200 - £2,000
- Spend £99 or more
Instalment plans are available on IKEA purchases up to £2,000 or £299 for purchases elsewhere. - Open the app
We’ll highlight any eligible purchases and you’ll have 10 days to convert to an instalment plan. - Review your plan
Check the plan length, monthly payments and any fees to make sure it fits your budget. Instalment plans are available over 3, 10 or 20 months for IKEA purchases and 3 months for purchases elsewhere. - Tap to convert
Once you’re happy, tap ‘convert to instalment’ and manage your plan easily from the app
Instalment payments form part of your minimum payment. We may charge interest on overdue amounts. If you fall two payments behind, all plans will be cancelled and interest will apply to the balance at your purchase rate.
Collect rewards points with the IKEA Family credit card
✓ Collect double points for every £5 spent on your IKEA Family credit card at IKEA when used with your IKEA Family member card.
✓ Collect 1 point for every £10 spent outside IKEA.
How to apply
What you will need
To be 18 or over, to be a UK resident, a valid photo driving license or passport, a good credit history and to be an IKEA Family member.
Download the IKEA Financial Services App
Available for iOS and Android. Once downloaded, log in or create a new account.
Apply
Check eligibility without affecting your credit score with the Ikano Bank’s application process.
Instant approve
Approval happens in minutes, so you can use your IKEA Family credit card immediately with a virtual card on Apple Pay or Google Pay.
Apply and manage more with the app
Download the IKEA Finance app to start the application process.
Spend your IKEA family credit card straightaway in store and online, manage your repayments and more.
If you are on the desktop, please search “IKEA Finance” app to apply.
Frequently asked questions
Have more questions
Get answers and learn more about having an IKEA Family credit card with Ikano Bank.
General terms and conditions
IKEA acts as a credit broker, not a lender, and only offers credit products for Ikano Bank. Credit is provided by Ikano Bank AB and is available subject to status to Sweden residents aged 18 or over. Terms and Conditions apply.Full conditions can be found on Ikano Bank’s website.