Advertising. 1) Provided that your financial circumstances at the time of application are maintained. The minimum amount you must apply for to take out the credit line is €500. You can use this credit line with two payment methods. It lets you make an initial transaction in instalments to transfer money to your account. As you repay the amount, you can use it again in revolving mode. See the terms and conditions below: the first operation in which you transfer the money to your bank account is formalised in the form of an instalment payment in which you will pay the amount of the transfer with interest over the repayment period of your choice, between 12 and 48 months. Representative example calculated for a drawdown of €1,500 (total amount of credit) in 12-month instalments: APR of 20.98 %. NIR of 19.20 %. Total amount owed: €1,660.52. Total cost of the credit (interest payment): €160.52. Amount of the monthly instalments: 11 instalments of €138.38 and a final instalment of €138.34. French repayment system. If you reuse your credit line in revolving mode, transfers from your credit line to your bank account have a minimum amount of €100. Choose your monthly payment (minimum of €5), provided this amount is not lower than the minimum monthly amount we set to make sure the payment of your debt is not drawn out. The conditions for this minimum payment are those set out in the European Standardised Information Sheet (ESIS) and the contract, and you will see it calculated in your website customer space or app, as well as in your monthly statement, depending on the amount drawn down. The revolving payment method consists of paying in instalments the full amount of credit used, with an associated interest rate of 19.20 % annual percentage rate (APR 20.99 %). As you transfer credit to your bank account, the credit drawn down will increase, thereby increasing the repayment term and total interest. Any repayments will be added back to your available credit. You should bear in mind that when you reuse the available credit, if you have not yet paid the first instalment, you will have to repay two instalments, namely the one for the first instalment and the one for the following revolving instalment. Representative example calculated to repay the drawn down credit of €1,500 (total amount of credit) on a revolving basis over 48 months: APR of 20.99 %. NIR of 19.20 %. Total amount owed: €2,160.48. Total cost of the credit (interest payment): €660.48. Amount of the monthly instalments: 48 payments of €45.01. French repayment system. The foregoing assumes that you do not perform any new transactions that increase the credit line's outstanding balance and that the debt is formalised at the beginning of the period. See how our credit lines work here.

2) Insurance policy from VidaCaixa, S.A.U. de Seguros y Reaseguros, with tax ID no. A-58333261 and SegurCaixa Adeslas, S.A. de Seguros y Reaseguros with tax ID no. A-28011864. Caixabank Payments & Consumer, E.F.C., E.P., S.A.U., will act as an intermediary when arranging the insurance policy, as an associate banking and insurance operator of VidaCaixa, S.A.U. de Seguros y Reaseguros, SegurCaixa Adeslas, S.A. de Seguros y Reaseguros and Metlife Europe D.A.C. Surcursal en España and which is listed in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds with number OV0077, as can be verified by consulting this body, at Paseo de la Castellana, 44, 28046 Madrid, Telephone: 91 339 70 00, www.dgsfp.mineco.es. CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. has arranged with ZURICH Insurance Plc, Sucursal en España, with Tax ID number W-0072130H, the relevant policy for professional civil liability to cover any responsibilities that may arise due to professional negligence, subject to the provisions of current legislation, and has sufficient financial capacity in accordance with current legislation.  

3) The cards are issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. and are subject to its authorisation. The system chosen by the institution to protect the funds received from the users of its payment services is to deposit them in a separate account opened with CaixaBank, S.A.

4. The New Cuenta Online account, exclusive for new customers, includes, for €0, the opening and maintenance of a current account and the CaixaBankNow online banking service, direct deposit of cheques in euros at banks in Spain and standard SEPA transfers in euros, Swedish krona or Romanian leu within the EU. The account does not pay interest (0% AER). 0% NIR. Caixabank, S.A., with Tax ID number (NIF) A08663619. registered in the Special Administrative Register of the Bank of Spain, under code 2100, is the entity offering the bank account.