IKEA credit line. APR 18,9%

Yes, to join the IKEA credit line you must be an IKEA Family member.

No. To join the IKEA credit line you only need to have an active bank account in any bank. Monthly, on that account is automatically debited the amount of your monthly fees through the direct debit system.

You can join at any IKEA store.

Your credit line can be used on purchases in IKEA stores and on IKEA.pt.

Yes, you can freely use the credit available during the 4-month period from the date of acceptance of the contract until the last day of the 4th month. At any time, you can consult the deadline for using the IKEA credit line, available in the integrated position of the homebanking on oney.pt or on the Oney app.

After approval of your IKEA credit line, you can immediately pay for your purchases in IKEA stores or on IKEA.pt, using the digital money order available on the digital account of the 1st contract holder.

The digital account is the area where you have available data that allows you to make purchases with the IKEA credit line in IKEA stores or on IKEA.pt. 

The digital account is available by SMS, as well as in your homebanking on oney.pt or on the Oney app

At any time and from anywhere, just log in to your homebanking at oney.pt or at the Oney app and you have access to the last 6 account statements, list of the last movements, among other information. 

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

• Phone
• App
• Website

This code is sent by SMS after joining the IKEA credit line.

The important dates relating to movements on the IKEA credit line are:

• Statement period closing date - the 20th of each month;
• Monthly payment date - the 5th of each month.

Example: purchases made between September 21 and October 20, the payment is made on November 5 according to the chosen method.

You can only change your purchases made with the IKEA credit line to interest-free instalment terms 72 hours after the purchase date. This change must be made in your homebanking at oney.pt or at the Oney app (menu ‘gerir' and functionality 'alteração modalidade pagamento').

In addition, you should 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.

Additional payments received by Oney between the 1st and the 19th of the month are amortized to the outstanding principal. If you wish to advance your monthly payment, Oney must receive the payment between the 21st and before the penultimate day of the month. To make the additional payments use the ATM reference and entity indicated on your statement, as well as the Payshop service.If you prefer to send a check or postal order to Oney, you must clearly identify all your customer data and it must be received by Oney 2 working days before the 20th.