IKEA Family credit card. APR 18,9%

To join the IKEA Family credit card you must be an IKEA Family member.

To join the IKEA Family credit card you just need to have an active bank account in any bank. The amount of your purchases and/or monthly card fees will be automatically debited from this account monthly, through the direct debit system.

The IKEA Family credit card is a credit card accepted in IKEA stores, at IKEA.pt and in participating stores of the Visa® and Multibanco® networks.

You can pay for your purchases at IKEA stores immediately by using the digital IKEA Family credit card provided at the time of membership.

You will receive the final card at home and, for security reasons, you must activate it through your home banking, available on the Oney App or at oney.pt. After activation, you must select the option to send the PIN so that it is sent to your mobile phone.

Whenever you make a purchase in a participating establishment, you must pay attention to the following procedures:

1. Present the card duly signed, as well as identify yourself when requested to do so;
2. Check the amount and confirm the transactions made through the use of contactless technology and/or PIN, regardless of whether your signature is also requested;
3. Keep a copy of the invoice or receipt until you receive your statement.

Yes, you can withdraw cash from any ATM in Portugal and worldwide, this service is subject to a fee. 

Yes, you accumulate points on purchases you make with the physical IKEA Family credit card. To do this, simply register your purchase with the QR code on the back of your card. If the purchase is made through the digital card, you will need to swipe your IKEA Family card to enjoy these benefits.

The important dates for IKEA Family credit card transactions are:

• Statement period closing date – the 20th of each month;
• Date of payment of the monthly card fee - the 5th of each month.
  
  Example: for purchases made between 21st September and 20th October, payment will be made on 5th November according to the chosen method.

To manage the card account 24 hours a day, 365 days a year, simply access your homebanking, available through the Oney App or at oney.pt, and you will have access to the last 6 account statements, as well as other information about the credit limit, balance used, available balance, list of recent transactions, among others. The available balance is the difference between your credit limit and the amount used (purchases, balance transfer, ATM withdrawals, payment for services, expenses and taxes, not yet paid).

It is an authentication code used to access the following Oney contact channels:

• Phone
• App
• Website
  
  This code will be sent to you by SMS after joining the IKEA Family credit card.

Additional payments received by Oney between the 1st and the 19th of the month will repay the outstanding capital. If you wish to pay your monthly instalment in advance, Oney must receive the payment between the 21st and before the last 5 working days of the month. To make additional payments use the entity and Multibanco reference indicated on your statement, use the Payshop service or send the cheque or postal order to Oney, in which case you must clearly identify all your customer details.

Purchases you make with the IKEA Family credit card, in IKEA stores or at IKEA.pt, may be changed to an interest-free instalment payment method 72 working hours after the purchase. This change must be made in your home banking, through the Oney App or at oney.pt (in the manage menu and in the change payment method functionality). You must consider the following dates to change the payment method:

• Purchases made between the 1st and the 20th of the month may be modified up to 2 working days before the end of the month;
• Purchases made between the 21st and 31st of the month may be modified up to 2 working days before the end of the following month.

In the event of loss, theft or robbery of your IKEA Family credit card, you must immediately access the home banking, available on the Oney App or at oney.pt, select the option card security - loss/theft and report the situation, making a request for replacement and ensuring the immediate cancellation.

You can also contact our customer support service, on 214 125 222, with personalised assistance available from Monday to Friday from 9am to 8pm and on Saturdays and public holidays from 9am to 1pm, or by IVR (automatic service available 24 hours per day).