- There are no issuance or maintenance fees for the first year2.
With the HolaBank MyCard credit card1, manage your purchases easily, quickly and securely, and enjoy everything that makes you happy without worrying.
Your purchases in real time
The purchases you make are reflected instantly. Once confirmed, they are charged to your account depending on the payment method.
You choose when you want to pay in instalments
Split your purchases before or after making them: between 2 and 12 months from €40, and also, for purchases of €600 or more, 15, 18, 21 and 24 months3.
Stay on top of your money
You can see your purchases in real time, know when they are going to be charged, and keep track of your account balance at all times. You can also monitor any outstanding charges from stores all over the world, car rental services, and petrol stations.
Your money is safest in your own hands
If you need more money in your account, you can pay for a completed transaction in instalments
With the HolaBank MyCard, you can also pay for purchases that have already been settled in easy instalments (provided they are in the current settlement), and the full purchase amount will be instantly credited to your account.
You can exceed your credit card limit
With the 1- or 2-day payment method, if you use up your available credit limit, you can continue to make purchases up to €3,000, provided you have sufficient funds in your linked CaixaBank account to cover your outstanding balance.
Quickly find each purchase
HolaBank MyCard smart receipts will help you quickly check the details of your purchases and control everything through the CaixaBankNow app.
Paying with your mobile phone or watch is a piece of cake
Simply take your hand out of your pocket and pay with your smartwatch or smartphone. You can also use the following payment methods:
With maximum security
You decide where the HolaBank MyCard can be used
For your peace of mind, you can choose at which stores you can use the HolaBank MyCard. For example, you can restrict purchases abroad or entertainment-related purchases for over 18s.
Your biometric data protects you
You can use your mobile phone and the latest biometric technology to pay without entering your PIN in POS terminals.
Block your card at any time
If you can't find the card, you can temporarily block it with a single click on the app and continue to pay with your mobile phone.
Need further information?
Card operation
It's a new type of card for private customers that combines the advantages of a credit card with the convenience of a debit card. Your purchases are shown in your account instantly.
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.
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.
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.
Payment method
Go into your cards, click on the "Options" menu for the card you want to change and select "Customise payment method". Please note that for the change in payment method to be applied to the next settlement, it must be changed no later than the last business day of the month before 3 pm.
- Every day (default payment method). You will see the total amount of your purchases charged to your account the next day, as long as the purchase was confirmed by the merchant.
- Every 2 days. You will see the total amount of your purchases charged to your account in two days, as long as the purchase was confirmed by the merchant.
- Pay every x days. You will see the total amount of your purchases charged to your account with the frequency you have chosen (e.g., every 4 days, every 5 days, every 6 days and so on, up to as many as 30 days)
- Pay the whole amount on one day of the week. You will see the total amount of your purchases charged to your account every week on the day of your choice (e.g., every Tuesday or Wednesday...)
- Pay it all when you reach a specific amount. You will see the total amount of your purchases charged to your account whenever this total reaches the amount you have specified (e.g., whenever the total reaches 200 euros, 300 euros, etc.)
- Pay it all at the end of the month. You will see the total amount of your purchases charged to your account, made from the 21st to the 22nd of the current month, on the 1st of the following month.
- Deferred payment (revolving): pay a fixed amount every month. You decide how much you want to pay each month, and the same amount will be charged each month to your account, regardless of how many purchases you made that month (e.g., if you decide to pay 40 euros each month, you will see 40 euros charged to your account every month, even if you have spent 200 euros)5.
- Defer specific purchases: over 2 to 12 months (transactions for more than €40) and up to 24 months (transactions for more than €600). You can decide to defer specific purchases and pay them in monthly instalments based on your needs.
Settlement
Depending on the payment method chosen, the HolaBank MyCard settlement occurs when the total amount of all the purchases made during the selected period is charged to the bank account.
The payments for deferred transactions are always charged on the 1st day of the following month.
With the 1-day or 2-day payment option (depending on the payment method chosen), purchases made with the MyCard will be charged to your account in one or two days, as long as the purchase was confirmed by the merchant. Then, the card's entire credit limit will be available again.
For all other payment methods, purchases are charged to your account on the day you have chosen, and the credit limit will be restored on that day.
The credit limit of a card is re-established on the day of closure of the settlement or on payment of the bill.
If you have deferred transactions, the re-established limit is the result of subtracting the limit used from that available. If you need to keep making purchases and you have used up your credit limit, you can increase the limit or make an early payment.
Split / Pay in instalments
You can defer your credit card purchases in CaixaBankNow provided they are for €40 or more.
You can defer specific transactions over 2 to 12 months for purchases from €40, and over as many as 24 months for purchases from €600.
With the HolaBank MyCard, you can defer a purchase once you have settled the payment. If you defer a purchase that has already been settled, the amount of the operation will be credited to your account and you will pay it in instalments; the first charge will be posted in two months, on the 1st of the month.