MyCard HolaBank

It's a new type of card for private customers that combines the advantages of a credit card with the convenience of a debit card. Your purchases are shown in your account instantly.

You can see the purchases made with the MyCard in real time from CaixaBankNow by viewing the "Next HolaBank MyCard charges" in the account you have associated with the card. You will also see when each payment made with your card will be charged, and always know the balance remaining in your account once all the outstanding charges are settled.

When you register your MyCard, you are assigned a credit limit, which is the maximum amount you can spend with the card.

If you use up your credit limit and you have the 1- or 2-day payment option enabled, you can keep making purchases for up to €3,000, as long as there's enough balance in your account to cover all the payments.

To check your card's credit limit, you have to log into CaixaBankNow with your credentials. Once inside, access your cards and click on the card you want to check to get the details and view the credit limit.

MyCard does not have issuance or maintenance fees in the first year, or in following years, according to the terms and conditions, if you use the card to finance payments (deferred or split payment method), or if you are under 26 years old.

With the HolaBank MyCard you can:

• Make payments in stores by just holding the phone over the payment terminal.
• Authorise online purchases.
• Check your transactions.
• Pay for purchases in instalments when you need to.
•  Customise the payment method.
•  Check the credit limit available.
•  Make payment advances to restore your credit limit.
•  See the settlements and export your statement of transactions.

To use your account balance for your MyCard purchases once the credit limit is used up, you have to keep in mind that:

• This service is only available if the card payment method is the next day or every 1 or 2 days.
• The total amount cannot be higher than €3,000.
• There must be sufficient balance in the account to cover all the payments.
• If there are non-payments or personalised payment advances, the service will not be active.

Depending on the payment method chosen, the HolaBank MyCard settlement occurs when the total amount of all the purchases made during the selected period is charged to the bank account.

The payments for deferred transactions are always charged on the 1st day of the following month.

With the 1-day or 2-day payment option (depending on the payment method chosen), purchases made with the MyCard will be charged to your account in one or two days, as long as the purchase was confirmed by the merchant. Then, the card's entire credit limit will be available again. 

For all other payment methods, purchases are charged to your account on the day you have chosen, and the credit limit will be restored on that day. 

The credit limit of a card is re-established on the day of closure of the settlement or on payment of the bill.

If you have deferred transactions, the re-established limit is the result of subtracting the limit used from that available. If you need to keep making purchases and you have used up your credit limit, you can increase the limit or make an early payment.