The Abanca Visa Tú Card is a credit card designed for flexibility, control, and convenience.
Whether you prefer to pay in full, defer purchases, or break expenses into installments, this card gives you full control through its mobile banking app.
What Is the Abanca Visa Tú Card?
This card is issued by Abanca and backed by Visa. It’s a digital-friendly card tailored for Spanish residents who want flexible credit.
The Visa Tú Card adapts to your payment habits. You can pay in full each month or choose from different financing options.
It’s ideal for those who manage their expenses on the go. You control how and when to pay directly from the app.
Core Benefits of the Visa Tú Card
This card offers features that simplify how you pay and manage expenses. It gives you flexibility and added value through rewards and partner discounts.
You can choose when to pay and set your preferred repayment method. It also lets you withdraw cash from ATMs using the same fees as a debit card.
Plus, you get discounts on fuel and special perks from EURO 6000 partners. The app helps you control everything instantly.
Flexible Payment Options
The Visa Tú Card offers three main ways to pay. Each method is easy to activate using the mobile app.
These options let you decide how to manage your expenses. You can pay everything at once or split it to match your budget.
Use the app to choose the method that works best for each purchase. Below are the details for each option.
Payment at the End of the Month
This is the default method. All your transactions during a billing cycle are charged on the last day of the month.
It’s a good option if you want to align payments with your paycheck. The entire amount is debited at once, helping you stay on top of your finances.
This method doesn’t carry interest if the full balance is paid. You can change this anytime in the app.
Payment in Installments
You can break payments into 3, 6, 9, 10, or 12-month installments. This helps when you make larger purchases.
Activate this feature directly in the app after a transaction posts. Select the number of months you want and confirm.
Installments help prevent big purchases from affecting your budget. This option may include interest, which is disclosed during setup.
Fixed-Rate (Revolving) Payment Mode
Set a fixed monthly payment instead of choosing a number of months. The more you spend, the longer the repayment.
Use this when you want predictability in your monthly expenses. The app lets you set and adjust your monthly fee.
Keep in mind, this option usually carries a higher interest. Review terms before confirming.
Eligibility Requirements
Before applying, you’ll need to meet a few basic conditions. The application process is online and simple.
You must be a legal resident of Spain. A valid ID (DNI or NIE) is required. You’ll also need proof of income or employment. Abanca may request bank statements or payslips.
How to Apply for the Visa Tú Card?
You can apply online or through the Abanca mobile banking app. The process is fast and fully digital.
- Go to the official Visa Tú card page.
- Click “Solicitar ahora” to start your application.
- Log in using your Abanca client credentials, or register as a new user.
- Fill out the form with your personal and financial details.
- Submit your application for review.
- If approved, your card will be mailed to your address within a few business days.
Mobile Banking Features
The Visa Tú Card is fully integrated with the Abanca app. You control payments and security features in one place.
The app lets you defer purchases, change payment types, and set alerts. You can monitor spending and lock your card instantly. This adds both control and security. All updates are reflected in real-time.
ATM Withdrawals Made Easy
You can use the card to withdraw cash like a debit card. It works in Spain and abroad.
At ATMs, choose whether you want the withdrawal as a debit or credit. Debit mode won’t show on your card statement, but on your bank statement.
If the ATM doesn’t offer a choice, it defaults to debit. The fees are the same as debit card withdrawals.
How Does Monthly Billing Work?
Understanding the billing cycle helps you avoid surprises. It follows a fixed monthly schedule.
The cycle runs from the 20th of one month to the 19th of the next. Transactions are billed on the last day of the following month.
For example, purchases on March 5 are charged on March 31. If made on March 22, they are billed on April 30.
Step-By-Step: How to Defer Purchases
You can defer any specific purchase after it’s posted. Use the app for this action.
- Open the app and go to your Visa Tú card.
- Tap the charge you want to modify.
- Select “Manage Payment”.
- Choose “Defer your purchases”.
- Pick the number of months and confirm.
The change takes effect immediately for that transaction.
Extra Perks and Discounts
Aside from flexibility, the card offers valuable discounts. These help you save money while spending.
- 4% discount at Galp Energía gas stations on fuel and store items, capped at €600/month.
- EURO 6000 Plus program for discounts and refunds on hotels, travel, and other retailers.
- Instant alerts for high-value transactions.
- Ability to freeze the card temporarily in case of loss.
These perks are automatically available when you use your card.
Annual Fees and Maintenance Costs
The card is free in your first year. After that, you can still avoid fees if you meet a spending threshold.
If you spend more than €3,000/year, the card remains free. Otherwise, you’ll be charged a €43 annual maintenance fee. No issuance fees apply. You can track this progress in the app.
Account Management and Transparency
Each month, you’ll receive a detailed account statement. This keeps you informed.
Statements show how much you spent, how much is due, and any interest charges.
If you’re using installment or revolving options, interest rates are clearly shown. You’ll also see your remaining balance. This helps you plan better each month.
Interest Rates and Legal Disclaimer
Interest varies by payment mode. Always check the exact APR in the app.
- End-of-month: 0% if you pay the full balance.
- Installments or Revolving: Interest applies, with APR disclosed before confirmation.
- Abanca reserves the right to adjust conditions.
For the latest info, visit the Visa Tú official page.
Customer Support and Contact Information
You can reach Abanca through various customer support channels, including postal mail, phone, and in-person assistance.
Their postal address is Rúa Nueva, 1 – Mezzanine, 15003 – A Coruña, with the main office located at 2 Cantón Claudino Pita Street in Betanzos.
For phone support, call 900 815 522 within Spain or +34 981 910 522 from abroad.
Final Thoughts: Should You Get the Visa Tú Card?
The Abanca Visa Tú Card gives you full control over how you manage spending. It’s flexible, mobile-ready, and suited for daily expenses or large purchases.
With a strong app, various payment modes, and travel perks, it fits many needs. If you’re looking for a card that adjusts to your lifestyle, this one is worth considering.
