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Finance Service

Counting the days to have your dream house? Count on the Financing Service, with advantages and special conditions to bring your ideas to life. Without any commissions, with the IKEA credit card (APR 15.6%) you have several payment methods inside and outside our stores and at IKEA.pt.


Advantages of the IKEA Credit Card, where you can pay up to 60 months1 without interest (starting at 2500€)

0€ of card processing fees
No account opening or maintenance fees.

Permanent credit
Your credit limit is reinstated and becomes available for you to use again as you make your repayments.

Free Homebanking service
Manage your IKEA credit card from your smartphone in the APP Crédito IKEA or in the private area at CaixaBankpc.pt/IKEA.


Choose your payment option1

Shop your way. Valid for purchases at our IKEA stores, including planning studios and online:

Interest free
Duration From

3 months 60€
6 months 120€
10 months 200€
36 months 499€
48 months 1.000€
60 months 2.500€

And because new plans may arise, know that you can count on the payment methods that you can preset on your credit card, so that you can use it in and out of the IKEA stores:

End of the month: payment of the entire balance on the date set for debiting your account.

Set payments: from 20€.

% credit limit: monthly payment of a minimum of 4% of the balance used (minimum 20€).

1 Payment options available for the IKEA credit card, up to a credit limit of 3.000€, and for the IKEA line of credit, up to a credit limit of 13.000€. The IKEA line of credit has the same payment options as the IKEA credit card, with a maximum duration of 6 months.


Transfer your available balance2
To your current account, in the APP Crédito IKEA, in your private area at CaixaBankpc.pt/IKEA, or call 211 500 808 (Monday to Saturday from 10 am to 8 pm).

You can also get cash advances2 at cashpoints (max. 200€/month).

Safe
Optional payment protection insurance.

More advantages
In addition to the features available in the APP Crédito IKEA or at CaixaBankpc.pt/IKEA, you can also benefit from other offers according to the conditions communicated.

Customers that have an IKEA credit card can access the advantages section and find out the conditions for each offer.

2 Added commission of 2,90€ + 5% on the amount, except on the cash advances outside the European economic area, were the commissions are 3,5€ + 5% + 2,70%. See the price list at CaixaBankpc.pt/IKEA.


IKEA credit card APR 15,6% (Annual Percentage Rate)

For a credit limit of 1.500€, paid in 12 instalments, AER 11,58% (Annual Effective Rate).

IKEA line of credit APR 15,6% (Annual Percentage Rate)

For a credit limit of 1.500€, paid in 12 instalments, AER 11,58% (Annual Effective Rate).

Credit subject to approval and granted by CaixaBank Payments & Consumer, E.F.C., E.P., S.A. – Branch in Portugal of the CaixaBank Group, where you should go for further information. IKEA Portugal - Móveis e Decoração Lda acts as a credit Intermediary in an ancillary capacity and on a non-exclusive basis.


Frequently asked questions

  • What is the IKEA credit card?

    It's a credit card subject to approval and granted by CaixaBank Payments & Consumer, E.F.C., E.P., S.A. – Branch in Portugal of the CaixaBank Group, which will allow you to:

    • Choose different payment options, at IKEA stores and other places;
    • Manage services and features from your smartphone in the APP Crédito IKEA or in the private area at CaixaBankpc.pt/IKEA;
    • Other advantages and discounts.
  • How much does it cost to get an IKEA credit card?

    The IKEA credit card has no account opening or maintenance fees (0€ of card processing fees).

  • Where can I sign up for an IKEA credit card?

    Ask for your card online or at your IKEA store (subject to approval).

  • How long does it take to get an IKEA credit card?

    After approval of your credit request, which will be analysed as quickly as possible, you'll be sent an email immediately so you can access your virtual temporary card. Just present it at the checkout to pay for your purchases in IKEA stores (including online). In no more than a month, your actual card will be sent to your address, and you can use it in IKEA stores and in other places.

  • What do I need in order to sign up for an IKEA credit card (subject to approval)?

    To sign up, just submit the following documents.

    For a credit limit of up to 1.250€:

    • Identification Document (valid for at least 30 days);
    • Tax Number;
    • Proof of your IBAN (no more than 30 days old).

    For a credit limit of between 1.250€ and 3.000€*, add:

    • Income Statement:
      For salaried workers: your last 3 payslips;
      For the self-employed: last IRS income tax return** and account statement with transactions for the last 3 months;
      Pensioners/Retirees: your latest pension declaration or your latest IRS income tax return**;
    • Proof of Address: recent water, electricity, telephone of cable TV bill (no more than 90 days old).

    * For a higher credit limit, up to 13.000€, you can choose the IKEA line of credit, which has the same payment options as the IKEA credit card, with a maximum duration of 6 months.
    ** IRS income tax return issued less than 6 months previously.

  • How can I use my IKEA credit card?

    • IKEA stores (including online);
    • Purchases in stores all over the world that accept MasterCard;
    • Multibanco, for cash advances1 at cashpoints (max. 200€/month);
    • Other features available in the APP Crédito IKEA or in private area at CaixaBankpc.pt/IKEA.

    1 Added commission of 2,90€ + 5% on the amount, except on the cash advances outside the European economic area, were the commissions are 3,5€ + 5% + 2,70%. See the price list at CaixaBankpc.pt/IKEA.

  • Where do I say which payment option I want to use?

    In IKEA stores (including online), after your purchase, you'll be sent an email with the payment options available. If you don't choose any option by 9 a.m. on the day after your purchase, the method chosen will be the base method defined for your card:

    • End of the Month: payment of the entire balance on the date set for debiting your account;
    • Set payments: from 20€;
    • % credit limit: monthly payment of a minimum of 4% of the balance used (minimum 20€).

    You can change the base method defined in the APP Crédito IKEA or in the private area at CaixaBankpc.pt/IKEA.

  • When is the installment paid?

    The monthly payment date will be the 30th of each month. You can choose a different payment date in the APP Crédito IKEA or in the private area at CaixaBankpc.pt/IKEA. If this change is requested:

    • Between the 1st and 20th of the month, the new payment date will come into effect immediately;
    • After the 21st and up to the end of the month, the new payment date will come into effect the following month.
  • My IKEA credit card has been stolen/lost; how can I get another one?

    In the event of loss or theft of your IKEA credit card, you can block it:

    • In the APP Crédito IKEA or in the private area at CaixaBankpc.pt/IKEA, select “Ver mais opções” (See more options) and click “Bloquear” (block);
    • Or call the CaixaBank Payments&Consumer IKEA credit customer support line at 211 500 808, from Monday to Saturday, from 10 am to 8 pm. If you call outside of these hours, an automatic answering service is available and you can use it to provide your data for blocking the card.

    You can also ask for another card to be issued at the same time.

  • What can I do in the App Crédito IKEA?

    The App Crédito IKEA allows you to manage your IKEA credit card from your smartphone whenever you want, however you want:

    • Card activation;
    • Fraction purchases paid at End of the Month1;
    • Modify the amount you want to pay each month;
    • Consult card movements and monthly statement;
    • Select a new monthly payment date;
    • Transfer available balance to the current account. Added commissions2;
    • Lock the card in case of loss or theft;
    • Update personal data and change the PIN;
    • Download APP Crédito IKEA for free from the Play Store or App Store and access all services and features.

    1 It can be divided into 3x (min. 75 €), 6x (min. 120 €) or 10x (min. 200 €) up to 3.000€. This change must be requested before the 20th of each month.

    2 Added commission of 2,90€ + 5% on the amount. See the price list at CaixaBankpc.pt/IKEA.