Take it home today and pay later

Yes, it is free. It has no interest or charges associated with it. It is designed to make life easier for people who want to shop at IKEA.pt. If you are charged a fee, you should check the situation with your card-issuing bank.

To pay in 3x with no costs, you must be the holder of a citizen card issued by the Portuguese Republic, with the exception of the citizen card under the Porto Seguro Treaty, and a debit or credit card, of the Visa® or Mastercard® networks, issued by an institution authorised to operate in Portugal and with a validity equal to or greater than thirty days from the end of the chosen reimbursement period. Residence permits are not allowed. Payments of instalments shall be made exclusively by debiting the bank card indicated by you.

Yes, you can make several purchases at the same time. You just have to take into consideration the acceptance limits and in accordance with Oney's commercial and risk policy.

At IKEA.pt the solution is available for a purchase between 45€ and 1200€.

Payment of the instalments is made by debiting the bank card you used for the purchase. The first instalment is charged at the time of signing the contract and the remaining every 30 days. If you have used your credit card, the payment will be recorded on your card statement, and the amounts used with your card will be settled on the date you have agreed with the card-issuing bank.

To ensure the smooth running of the process, you will not be able to change it. The day of payment of the instalment is fixed from the day of entering into the contract and cannot be changed.If you are unable to pay your instalment on time, please contact us by telephone on 808 913 434 (national landline call), available Monday to Friday, from 9am to 8pm and Saturdays and bank holidays from 9am to 1pm, or by email to suportecliente@oney.pt.

As an alert measure, you may be notified by Oney of the occurrence so that you can resolve this. And if the payment of the instalment is not accepted and, as such, does not occur on the day contractually provided, the situation of your card or bank account must be normalised as soon as possible, through the immediate provision of funds and/or change of the associated bank card.Please note that for each instalment that is overdue and unpaid, a recovery fee will be charged.

You can associate debit or credit cards of the Visa® or Mastercard® networks, issued in Portugal by institutions authorised in Portugal and with a validity equal to or greater than thirty (30) days from the end of the chosen repayment period. Check with your bank if your card allows you to make online purchases, namely if the 3D Secure service is active, and make sure you have sufficient funds for the payment of the first instalment. Prepaid cards, or cards only from the Multibanco network or private cards are not accepted. Merchant type MB NET cards are accepted, with a validity equal to or greater than thirty (30) days from the end of the chosen repayment period, and which are generated with the total amount of the purchase.

The definition of the main payment card is there to make your life easier. In other words, it allows you to define and associate a main bank card for future purchases in your 3x 4x Oney account on oney.pt, so that you don't have to enter the corresponding information every time you make a purchase.

When the validity of your card expires, or if it is lost, stolen or defective, you should access your 3x 4x Oney account on oney.pt and indicate the new card.Please note that, to avoid costs for recovery of the amount owed, the change of card should be made prior to the charging of the next instalment, with a limit of up to 48 hours prior to the charging of the instalment.

First of all, you should contact IKEA to check which procedures are in place for this, as well as the applicable legal deadlines.Then, if the item replacement implies a change in the value of your purchase, this will be reflected in your contract, with the value of the instalments being recalculated according to the new purchase value. Finally, you will receive an email with your new payment plan.If the return gives rise to a refund, it will be processed directly to the bank card used by you when you paid for the purchase.

The 3x 4x Oney account is your customer area, a space where you can consult all the details of your active and finalised contracts and manage all the information in your client profile, such as updating your personal data and cards.

You can activate your 3x 4x Oney account at the end of your first purchase process by defining your password to access this customer area. This setting is optional. However, setting the password to access the account 3x 4x Oney makes your next purchase easier and quicker as you will not need to provide your personal and bank card details again.Alternatively, you can activate your 3x 4x Oney account via the link sent to you by email within days of your purchase or directly in the 3x 4x Oney customer area. If you choose this option, please enter your email address in the login area to be redirected to the account activation process.