CaixaBank Payments & Consumer, E.F.C., E.P., S.A., sole proprietorship, domiciled at Avenida de Manoteras nº 20. Edificio París. 28050 Madrid. CIF A-08980153. Registered in the Mercantile Registry of Madrid, Volume 36,556, Folio 29, Page M-656492 and registered with the number 8776 in the Registry of Credit Establishments of the Bank of Spain.


Accessing the CaixaBank Payments & Consumer website and any information related to any of the products and services contained therein implies acceptance of the terms and conditions set forth in this Legal Notice. For this reason, we recommend that you read the contents carefully before accessing and using the information and services available on the CaixaBank Payments & Consumer website.



The information contained in these pages is valid as of the date of the last update.
These terms and conditions have been in force since they were last updated. 
CaixaBank Payments & Consumer reserves the right to modify the terms and conditions at any time, in which case such modifications will become effective as soon as they are published and will apply to all users from that date. 


The contents of the website, in particular information and advertisements, do not constitute a binding offer, unless expressly indicated otherwise. CaixaBank CaixaBank Payments & Consumer reserves the right to modify or delete in part or in full the current contents of the website whenever it deems appropriate, as well as to prevent or restrict access temporarily or permanently. 



CaixaBank Payments & Consumer complies in full with current personal data protection laws and confidentiality obligations applicable to its activities. 

CaixaBank Payments & Consumer has adopted the necessary technical means to maintain the required level of security, according to the nature of the personal data processed and the circumstances of the processing, with a view to preventing, wherever possible and according to the state of the art, the alteration, loss, processing or unauthorised access to such data. 

When requested to complete a form in which personal data is collected, the customer or user will be notified about the recipient of the data, the purpose of the data collection, the identity and address of the person or entity responsible for the file and the user's right to exercise their rights of access, rectification, erasure and objection to the processing of their data. Any personal data collected will only be processed and/or transferred for the stated purpose and always with the consent of the user or customer. 

We ask our customers and users to inform us as quickly as possible of any changes or amendments to their personal data to ensure that the information contained in our files is always up to date and free of errors.



Some web pages on the CaixaBank Payments & Consumer website may have cookies, which are small data files generated on the user's or customer's computer that enable our systems to remember the selected language and website and other user characteristics or browsing preferences from the previous session. 

The CaixaBank Payments & Consumer cookie policy is subject to current EU and Spanish legislation on personal data processing and privacy protection in the electronic communications sector. Accordingly, CaixaBank Payments & Consumer will inform you of the Cookies it uses on each of its websites ("Cookie Policy") and, where necessary, request your consent to use them. 



The CaixaBank Payments & Consumer website, its web pages and the information or elements contained therein include texts, documents, photographs, drawings, graphic representations, databases, computer programs, logos, trademarks, trade names and other distinctive signs, protected by intellectual or industrial property rights, of which CaixaBank Payments & Consumer is the owner or legitimate licensee. 

CaixaBank Payments & Consumer does not guarantee the lawfulness or legality of any information or elements contained in the web pages of the CaixaBank Payments & Consumer website that are not the property of CaixaBank Payments & Consumer or any company within the CAIXABANK Group (to which it belongs). 



Any use, including any form of reproduction, distribution, transfer to third parties, public communication and transformation, through any format or medium, of the aforementioned contents, creations or distinctive signs without the prior and express authorisation of their respective owners is strictly prohibited. Failure to observe this prohibition may constitute an offence punishable under current legislation.                                      

However, at their own risk, users may download or make copies of such contents exclusively for personal use, provided that they do not violate any intellectual or industrial property rights of CaixaBank Payments & Consumer. In particular, users are not permitted to alter, modify or delete any elements either partially or in full. Under no circumstances does the foregoing constitute an authorisation or licence of the property rights of CaixaBank Payments & Consumer or any CAIXABANK Group company. 

It is strictly forbidden, unless expressly authorised by CaixaBank Payments & Consumer, to create links or hyperlinks from third-party portals or websites to CaixaBank Payments & Consumer web pages other than the main page of its portal, accessible at the URL address, or any other URLs that may replace it in the future, as well as to present CaixaBank Payments & Consumer web pages or the information contained therein in frames, distinctive signs, trademarks or company or commercial names of another person, company or organisation. 



CaixaBank Payments & Consumer does not guarantee continuous access to or correct viewing, downloading or use of the elements and information contained in the web pages of the CaixaBank Payments & Consumer website, which may be impeded, impaired or interrupted by factors or circumstances beyond its control. 

CaixaBank Payments & Consumer accepts no responsibility for any information or other content contained in third-party spaces or web pages accessible on the CaixaBank Payments & Consumer website via links or hyperlinks, or for any information or other content contained in third-party spaces or web pages accessed via links or hyperlinks to the CaixaBank Payments & Consumer website or any of its web pages, or for any information or content of any third-party web pages presented under the appearance or distinctive signs of CaixaBank Payments & Consumer, unless expressly authorised by CaixaBank Payments & Consumer. 

CaixaBank Payments & Consumer does not accept any liability whatsoever for any information, any type of content, products or services that may be offered or provided on its website by third parties or entities, even if they belong to the same economic group, and in particular for damages of any kind that, linked to the above, may be caused by: (i) absence or deficiencies in the information provided to users or in its truthfulness, accuracy and sufficiency; (ii) non-compliance or defective or untimely performance of contracts or pre-contractual relationships; (iii) failure to comply with the obligations incumbent on information society service providers; (iv) infringement of the rights of consumers and users; (v) infringement of intellectual and industrial property rights; unfair competition or illegal advertising; (vi) infringement of the right to data protection, professional secrecy and the rights to honour, personal and family privacy and self-image; and (vii) in general, non-compliance with any applicable laws, customs or codes of conduct. 



Certificado de Seguro de Accidentes Colectivo - Póliza 44.000.020 (VISA Clásica y MasterCard)
Consulte ahora las condiciones del seguro asociado a su tarjeta de crédito:
Certificado de Seguro de la Tarjeta VISA Clásica y/o MasterCard

Certificado de Seguro de Accidentes Colectivo - Póliza 44.000.025 (VISA Oro)
Consulte ahora las condiciones del seguro asociado a su tarjeta de crédito:
Certificado de Seguro de la Tarjeta VISA Oro


1.7. 1 Información del mediador

CaixaBank Payments & Consumer E.F.C., S.A.U., (CaixaBank Payments & Consumer) media en la contratación del seguro como operador de banca-seguros vinculado de VidaCaixa S.A. de Seguros y Reaseguros (VicaCaixa) y de SegurCaixa Adeslas S.A. de Seguros y Reaseguros (SegurCaixa), inscrito en el Registro administrativo especial de mediadores de seguros de la Dirección General de Seguros y Fondos de Pensiones, con el número OV0077, según puede comprobarse ante ésta, con domicilio en Paseo de la Castellana 44, Madrid (DP 28046), teléfono 91 339 70 00, CaixaBank Payments & Consumer tiene concertado un seguro de responsabilidad civil y dispone de una capacidad financiera de acuerdo a los requisitos legales.
La empresa matriz de CaixaBank Payments & Consumer tiene una participación superior al 10% del capital social de VidaCaixa y de SegurCaixa.

Actúa como encargado del tratamiento de datos de carácter personal recabados con motivo de la formalización del contrato de seguro, siendo responsables del tratamiento las entidades aseguradoras para las cuales distribuye esta operación.

El referido seguro da cumplimiento a las necesidades y exigencias del cliente, según las informaciones facilitadas por el mismo y cuyas características principales se especifican a continuación:

Seguro de vida: seguro destinado a cubrir el pago del principal del préstamo/crédito dispuesto pendiente de vencimiento en la fecha de fallecimiento. Adicionalmente, la operación de seguros podrá tener coberturas de gran invalidez, garantía de compra, utilización fraudulenta, desempleo / incapacidad temporal y/o indemnización compensatoria automovilística.

En caso de discrepancia entre dichas necesidades y exigencias, y lo establecido en el contrato que, en su caso, se suscriba, la Ley de Contrato de Seguro contempla el plazo de un mes desde la contratación del seguro para que se subsanen las divergencias existentes. Transcurrido dicho plazo sin que el contratante efectúe la reclamación rige lo establecido en la póliza.

El asesoramiento prestado se facilita con la finalidad de contratar un seguro y no cualquier otro producto que pudiera comercializar el mediador.