Defer your purchase
Purchase and pay at your own pace
Purchase now and pay later
Your card purchases exceeding €60, your Bizum charges, bills (electricity, water, etc.) paid through any of your accounts.
Payment facilities
Choose to split your payments in three, six, nine or twelve months, or include them under your credit card's revolving payment method.
Available for customers who are credit cardholders
You can benefit from the Defer Your Purchase* service just for being a cardholder.
It is easy and quick on your Digital Banking service
Choose the purchase or bill you wish to defer, select the payment method and you will already have it financed.
Defer your purchase Service
Buy it today and plan how to pay for it later
You just have to log in to your Digital Banking service and a label indicating "Deferable" will appear on your account movements list so you can know which transactions are available for this service. Once the transaction has be chosen, you only have to select how to pay for it: in three, six, nine or twelve months, or using the revolving payment method. And you're all set! You will have deferred the movement and the money will be returned to your account (if the transactions has already been charged) or credited to you (if it was still pending billing).
Don't forget that you can always change the deferred payment method's instalments on the Digital Banking service.
(*) Deferral subject to the institution's criteria, availability of the card's credit limit and solely for purchases made during the current and preceding month up to 15 days after the settlement date (settlement date is on the 1st day of the current month) with Mastercard or Visa credit cards having debit, weekly or end-of-the-month settlement methods for amounts equivalent to or exceeding €60; b. transactions made through an account held by the credit cardholder (direct debit bills, Bizum transactions or purchases made with debit cards) within 30 days following the charge date. The amount of all these transactions must be equivalent to or greater than €60 with a minimum capital repayment amount as from €20 a month. Terms and conditions that apply, including interest rate, according to the contract in force. In the event of the credit not being repaid, the service will not be available. Having subscribed to Unicaja Remote Services is necessary to request deferral through the Digital Banking service.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).