This information is based on the Flexibility and Payment Options Study for Credit Cards from Spanish Banks by INTELIENS, published in October 2024. Check the report for more information.

You can see the purchases made with the MyCard in real time from CaixaBankNow by viewing the "Next HolaBank MyCard charges" in the account you have associated with the card. You will also see when each payment made with your card will be charged, and always know the balance remaining in your account once all the outstanding charges are settled.

To check your card's credit limit, you have to log into CaixaBankNow with your credentials. Once inside, access your cards and click on the card you want to check to get the details and view the credit limit.

MyCard does not have issuance or maintenance fees in the first year, or in following years, according to the terms and conditions, if you use the card to finance payments (deferred or split payment method), or if you are under 26 years old.

With the HolaBank MyCard you can:

• Make payments in stores by just holding the phone over the payment terminal.
• Authorise online purchases.
• Check your transactions.
• Pay for purchases in instalments when you need to.
•  Customise the payment method.
•  Check the credit limit available.
•  Make payment advances to restore your credit limit.
•  See the settlements and export your statement of transactions.

To use your account balance for your MyCard purchases once the credit limit is used up, you have to keep in mind that:

• This service is only available if the card payment method is the next day or every 1 or 2 days.
• The total amount cannot be higher than €3,000.
• There must be sufficient balance in the account to cover all the payments.
• If there are non-payments or personalised payment advances, the service will not be active.

Yes, you can download your MyCard to your mobile or smartwatch and pay for your purchases without having to carry your physical card by using Google Pay, Samsung Pay, Apple Pay, Garmin Pay or Swatch Pay.
You can also deactivate it whenever you want. For example, if you lose your physical card, you can temporarily block it and keep paying with your mobile.

Go to the card section on the CaixaBank website or app, select 'Options' for the card you want to change, and select 'Customise payment method'. Do it by 15:00 on the last business day of the month to apply the change to the following settlement.

Settlement is when the total amount of your purchases is charged to your account. This is done based on the payment method you have chosen. 

When you register your MyCard, you are assigned a credit limit, which is the maximum amount you can spend with the card.

If you use up your credit limit and you have the 1- or 2-day payment option enabled, you can keep making purchases for up to €3,000, as long as there's enough balance in your account to cover all the payments.

A deferred (revolving) payment is a flexible way to pay for your purchases with a credit card that lets you make payments in monthly instalments. With this system, you don't need to pay for all your purchases at the end of the month. Instead, you can pay only part of the balance and pay the rest later, with interest. This means that each month, you can pay a minimum amount or a fixed instalment of your choice. The outstanding balance is added to the following month, with interest, letting you continue using the card until you reach your credit limit. It's a flexible way to handle your payments, but keep in mind that you will pay interest for any amount you carry over every month. Choosing lower instalments might result in a longer repayment period with the consequent effect of accruing a higher amount of interest.

• Let's see an example:
  If you request a €1,500 credit repayable over 48 months.

You will pay:
- €2,206.23 in total (i.e., the total amount owed).
- €1,500 for the price of the purchase (i.e., the total amount of the credit).
- €706.23 in interest (i.e., the total cost of the credit).
- 22.42% APR and 20.40% NIR
- In 47 payments of €45.97 each + a final payment of €45.64.

The straight-line repayment system is used.
This calculation assumes you won't make any new purchases that increase your debt and that the credit is used at the beginning of the period. You can view the fees applied to banking services in fees and commissions.
Find out more details about deferred (revolving) payments.

To approve your credit card, we evaluate your creditworthiness and ability to repay as determined by our risk policies. Your card will be issued by CaixaBank Payments & Consumer (CPC), registered with the Bank of Spain. CaixaBank acts as an agent of CPC, and your funds will be protected in a separate account with CaixaBank.

The MyCard credit card issued by the hybrid payment entity CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. ("CPC"), domiciled at Avenida de Manoteras n.º 20, Edificio París (28050 Madrid). Caixabank, S.A. acts as agent of the card issuing entity. User funds are protected through a deposit in a separate account at CaixaBank, S.A. The issuance of the card is subject to prior approval by CPC. You can view the usual prices applied to banking services at www.caixabank.es/tarifas.