Better control
Plan your monthly payments more easily.
More flexibility in
planning your expenses
Budget relief
Spread larger expenses over equal monthly installments.
Greater financial flexibility
Free up funds for your day-to-day needs.
Interest-free under certain conditions
If you repay all current amounts due on your card within the applicable grace period for the month, no interest will be charged on the monthly installments.
Split selected transactions made with your credit card into installments
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💳 POS transactions
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🛒 Online transactions
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🏧 Cash withdrawals
Terms
- Minimum transaction amount: €50;
- Application: within 30 calendar days of the transaction date.;
- Available terms: 3, 6, 9, or 12 equal monthly installments.
Cannot be converted into installments:
- transactions that have already been converted into equal monthly installments;
- refinancing transactions.
Useful information
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If you choose to split the transaction into 3 equal monthly installments, the installment fee will be €27 (3% of the transaction amount, with a minimum fee of €2.60). The fee will be charged as part of your current billing period.Your next monthly statement (depending on your card's payment due date) will include the installment fee and one-third of the amount you have chosen to split into installments, namely €300.Each of the following two monthly statements will include an additional charge of €300.
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If you choose to split the transaction into 6 equal monthly installments, the installment fee will be €36 (4% of the transaction amount, with a minimum fee of €5.20). The fee will be charged as part of your current billing period.Your next monthly statement (depending on your card's payment due date) will include the installment fee and one-sixth of the amount you have chosen to split into installments, namely €150.Each of the following five monthly statements will include an additional charge of €150.
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If you choose to split the transaction into 9 equal monthly installments, the installment fee will be €45 (5% of the transaction amount, with a minimum fee of €8.00). The fee will be charged as part of your current billing period.Your next monthly statement (depending on your card's payment due date) will include the installment fee and one-ninth of the amount you have chosen to split into installments, namely €100.Each of the following eight monthly statements will include an additional charge of €100.
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If you choose to split the transaction into 12 equal monthly installments, the installment fee will be €54 (6% of the transaction amount, with a minimum fee of €10.50). The fee will be charged as part of your current billing period.Your next monthly statement (depending on your card's payment due date) will include the installment fee and one-twelfth of the amount you have chosen to split into installments, namely €75.Each of the following eleven monthly statements will include an additional charge of €75.
Your selected transaction will be converted into an installment plan within 5 business days.In your next monthly statement, in addition to any outstanding balance from the previous period, accrued interest, fees, and other transactions, you will see the full amount of the purchase you have converted into installments deducted (marked as "Cr") and replaced by the installment fee and the amount of the first installment, which will be charged to your account.
Submit your request to convert transactions into installments with just one phone call to 0700 18 555 or by visiting your nearest Postbank branch.
You can now also convert purchases made in euros into installments through the ONE Wallet by Postbank mobile app.
Example:
If you made a purchase of €900 on 10 November and decide to convert it into installments on 15 November, simply call 0700 18 555 or visit your nearest Postbank branch.
After completing the identification process, you will need to provide the following information about the transaction you wish to convert into installments:
- Which merchant / ATM / bank branch / website was the transaction made at?
- On what date was the transaction made?
- What was the exact amount of the transaction?