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# How to pay off a WiZink card sooner: extra payments and payment mode

In the app or WiZink Online you can pay money into your card from Opciones, Hacer un ingreso, and switch to paying in full or a higher fixed amount from Opciones, Cambiar forma de pago. WiZink's fee list has no fee for paying off the revolving balance early.

Filip Sardjoski ([About](https://orwanna.com/en/about/)) · Updated: 16 October 2026 · Reviewed by: Not yet

## What payment modes does a WiZink card have?

Two: paying in full, which charges no interest, or deferred payment of a fixed amount you choose, which has to be higher than the minimum payment.

For deferred payment, WiZink suggests €50, €100 or €200 a month, or another amount. Its MaX Dia, Aplazame, WiZink Click and WiZink Now cards have a 21.58% TIN and a 23.85% APR (TAE) on deferred payment, according to their terms in force from 26 January 2026.

The minimum payment is the higher of €40 and the sum of several items: 2.5% of the money you've used, the month's interest, fees and insurance, any unpaid bills, and the instalments of other deferred-payment services. If the fixed amount you choose is lower than the minimum, WiZink charges the minimum.

If you have an older card, you may be paying a minimum or a percentage. WiZink says it's no longer possible to switch to those modes, but you can move from them to a fixed amount.

## Why raise the fixed amount?

Because the more you pay each month, the sooner you finish and the less interest you pay. WiZink's own document on revolving credit shows it with €1,000 of debt:

| Fixed amount a month | Months to finish | Interest |
|---|---|---|
| €43 | 31 | €306.86 |
| €60 | 20 | €199.36 |
| €100 | 12 | €112.37 |

## How do I change the payment mode or the fixed amount?

In WiZink Online or the app: open your card and go to Opciones, Cambiar forma de pago. You can also ask customer service.

1. Open the WiZink app, or Acceso Cliente on wizink.es.
2. Open your card and go to **Opciones > Cambiar forma de pago**.
3. Choose paying in full, or a fixed amount higher than your minimum payment.
4. Do it at least four working days before your payment date. The payment date is about ten days after your statement is issued. If you change nothing, you stay on your current mode.

WiZink can't change your payment mode on its own. The exception is if you stop paying: it can then charge you the minimum payment until you catch up.

WiZink's fee list has no fee for changing the payment mode, but it does have a €10 fee for "processing a contract change" without saying what it applies to. The card terms say you can change the payment mode for each billing period by telling WiZink at least four business days before the payment date, and they don't mention a fee.

**When will you finish?** Enter your balance, TIN and payment. You'll see how many months you have left and how much interest you pay, with and without round-ups. [Open the calculator](https://orwanna.com/en/calculator/)

## How do I make an extra payment?

In the app or WiZink Online: open your card and go to Opciones, Hacer un ingreso. You can pay off part of the debt or all of it.

1. Open the WiZink app or WiZink Online.
2. Open your card and go to **Opciones > Hacer un ingreso**.
3. Pay with a debit card, or choose a bank transfer: WiZink gives you a virtual IBAN to send it to.

The IBAN is specific to each customer and only shows in the app, so there's no general account number. WiZink's documents don't say how long a payment takes to apply, so check your balance in the app before you count on it.

WiZink's fee list has no fee for paying off the revolving balance early. Its 1% early cancellation fee (0.5% if a year or less remains) is for its additional deferred-payment services, such as Plan Aplaza or Crédito Now. The list also has a €5 fee for "topping up funds on a card or account at another bank" without explaining it. WiZink's payment page offers paying in with a debit card and doesn't mention a fee, but its documents don't say whether that €5 fee applies.

The law gives you the right to repay early, in part or in full, at any time. WiZink's standard information sheet says so too.

## How is what I pay applied?

First to the instalments of deferred-payment services and promotional balances, then to the rest of the balance. Within each, interest is paid first, then fees, insurance and, last, what you owe.

The terms work out interest each day on what you owe minus what you've paid in. They also say that any credit left over comes off the following bills. For an extra payment to shorten the time, keep paying your usual fixed amount in the months after.

## How do I stop using the revolving credit?

Switch to paying in full so new purchases aren't deferred, or cancel the card by calling 91 787 47 47. The terms let you cancel at any time without notice.

- **Pay in full.** Follow the steps to change the payment mode and choose paying in full.
- **Switch the card off.** The WiZink Click can be switched on and off for free in the app. WiZink's pages only mention this for the Click. For any WiZink card, you can ask by phone to switch off online payments.
- **Cancel.** Call 91 787 47 47. You pay interest and fees up to the cancellation date, and WiZink processes it within 24 hours of your request. The card terms don't say whether your payment plan continues or the balance falls due at once, so ask when you call.

WiZink has announced changes to its terms from 10 December 2026. If you object, you can cancel the contract at no extra cost and choose between paying off the whole debt or carrying on paying as before.

## What information can I ask for?

Under the revolving credit rules, your lender has to send you a statement of your credit at least every quarter, including when you'd finish paying and how much you'd pay in total. If a year of your payments repays less than 25% of your limit, it also has to show you what would happen if you raised your payment by 20%, 50% or 100%.

You can also ask, for free, for your payment history and an amortisation table, which they have to give you within five working days. Banco de España explains this.

## Where do I complain?

First to WiZink's customer service. If they don't reply within a month, or 15 working days for a payment service, or you disagree with the answer, you can complain to Banco de España.

- **Email:** reclamaciones@wizink.es
- **Post:** WiZink Bank, S.A.U., Departamento de Reclamaciones, calle Ulises 16-18, 28043 Madrid.
- **Card phone line:** 91 787 47 47, Monday to Friday 9:00 to 19:00 and Saturdays 9:00 to 15:00.
- **Consumer helpline:** 900 814 890.

## Sources

1. [Formas de pago de la tarjeta WiZink](https://www.wizink.es/public/gestiona-tu-tarjeta/formas-pago-tarjeta-wizink), WiZink
2. [Tarjetas de crédito](https://www.wizink.es/public/tarjetas-de-credito), WiZink
3. [Reglamento de la tarjeta WiZink Click (card terms)](https://www.wizink.es/public/content/dam/wizink-web-es/documents/legal/contractual/reglamentos/WZCLK_R.pdf), WiZink, in force from 26 January 2026
4. [Información previa del crédito revolving (IPAR)](https://www.wizink.es/public/content/dam/wizink-web-es/documents/legal/precontractual/ipar/WZGE_IPAR.pdf), WiZink
5. [Información normalizada europea (INE), WiZink Click](https://www.wizink.es/public/content/dam/wizink-web-es/documents/legal/precontractual/ine/WZCLK_INE.pdf), WiZink
6. [Tarifas de intereses y comisiones (interest and fees)](https://www.wizink.es/public/content/dam/wizink-web-es/documents/legal/intereses-y-comisiones/TAREPI2.pdf), WiZink, updated 26 January 2026
7. [Información sobre el crédito revolving](https://www.wizink.es/public/content/dam/wizink-web-es/documents/legal/precontractual/doc_informacion_sobre_credito_revolving.pdf), WiZink
8. [Simulador de tarjeta de crédito](https://www.wizink.es/public/simulador-tarjeta-de-credito), WiZink
9. [Preguntas frecuentes: extractos](https://www.wizink.es/public/faq/extractos), WiZink
10. [Preguntas frecuentes: tarjetas de crédito](https://www.wizink.es/public/faq/tarjetas-de-credito), WiZink
11. [Contacta con WiZink](https://www.wizink.es/public/contacto-wizink), WiZink
12. [Servicio de Reclamaciones y Atención al Cliente](https://www.wizink.es/public/informacion-legal/servicio-reclamaciones-y-atencion-cliente), WiZink
13. [September 2026 notice: changes to terms from 10/12/26](https://www.wizink.es/public/derecho-oposicion?com=OPO_2026_04), WiZink
14. [Orden EHA/2899/2011, on transparency for banking customers (consolidated text)](https://www.boe.es/buscar/act.php?id=BOE-A-2011-17015), BOE, articles 33 bis to 33 octies, added by Orden ETD/699/2020
15. [Ley 16/2011, de contratos de crédito al consumo, article 30](https://app.bde.es/clf_www/leyes.jsp?id=102904&fc=08-11-2017&idart=102940&tipoEnt=0), Banco de España
16. [Qué información puedes solicitar si dispones de una tarjeta revolving](https://clientebancario.bde.es/pcb/es/blog/que-informacion-puedes-solicitar-si-dispones-de-una-tarjeta-revolving-.html), Banco de España, Portal del Cliente Bancario, 2 June 2022
17. [Contrato Multicanal (online and phone banking terms)](https://www.wizink.es/public/content/dam/wizink-web-es/documents/legal/contractual/MULTICANAL_0625.pdf), WiZink, version 0625

## Read next

- [Get out of revolving debt](https://orwanna.com/en/guides/get-out-of-revolving-debt/): Stop using the card's credit, raise your payment or switch to paying in full, and make extra payments when you can: every extra euro goes straight to the debt. With €2,000 at 18% TIN, raising the payment from €60 to €100 cuts the time from 47 to 24 months and the interest from €793 to €396.
- [Minimum payment or fixed instalment](https://orwanna.com/en/guides/minimum-payment-vs-fixed-instalment/): If you pay a percentage of what you owe, the payment falls along with the debt and the time stretches out a lot. In the example, €2,000 at 18% TIN paid at 3% of the balance, with a €25 minimum, takes 103 months and costs €1,463 in interest; at a fixed €60, 47 months and €793.
- [Pay off a Cetelem card sooner](https://orwanna.com/en/guides/pay-off-cetelem/): In the Cetelem app you can pay down debt from Tarjetas, Operativas, Amortizar deuda, at no cost, and change your payment mode or instalment from the same menu, also at no cost. Watch out: at Cetelem, Ingreso en cuenta does the opposite, drawing money from the card, and it has a fee.

**General information, not financial or legal advice.** For help or to complain: [Banco de España's Portal del Cliente Bancario](https://clientebancario.bde.es/pcb/es/), [Asufin](https://www.asufin.com/), [OCU](https://www.ocu.org/), [FACUA](https://facua.org/), [ADICAE](https://www.adicae.es/).

## The interest you stop paying is yours. Sign up.

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