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

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:

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.

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: [email protected]
• 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.