Opening and maintaining the Payment Account is free of charge. Payment operations and other Payment Services have an associated cost, as described in the table below (e.g., fees, shipping costs, etc.). Bnext EDE covers the cost of these fees or expenses under certain conditions and up to specific limits. Once those limits are exceeded, we will charge you the corresponding amount.
|
Deposits using a card from another institution (via POS terminal) |
If the card is debit: free of charge. If the card is credit: 1% of the amount. |
|
Incoming transfers to your account |
Free |
|
Direct debit for payroll and bills |
Free Rejected direct debits: the first 2 rejections per month are free; from the third onwards, €0.25 per rejection. |
|
Cash withdrawals at ATMs (domestic or international) |
We pass on the cost. |
|
Transactions in a different currency (purchases or cash withdrawals) |
We pass on Mastercard’s commission on the exchange rate (0.1% within the EU and 0.9% + €0.44 outside the EU). |
|
Transfers to other institutions |
Free if you set up direct deposit for your payroll. Otherwise, €0.25 per transfer. |
|
Card issuance and delivery |
Issuance: €4.50 per card. Delivery: €5 urgent (24/48 business hours) / €2 standard (3–7 business days). |
|
Virtual card issuance |
The first card is free when you open your account. 2 free cards per calendar year. Additional cards will cost €3.90 per virtual card. |
(*) Although some operations may have no cost limit, they may be subject to operational or control limits.
(**) Without prejudice to the conditions included in this table, Bnext EDE reserves the right to carry out promotions that may temporarily modify these conditions, which will be communicated to you through the usual channels (via your email or the Bnext App).
Bnext is so much more with B3X. Access perks, discounts, and exclusive brands on Bnext and all its services thanks to B3X.
With B3X token |
Without B3X token |
|
|---|---|---|
Rewards |
||
| Accessible levels | Gold Level 100% cashback available Silver Level 75% cashback available Bronze Level 50% cashback available | Gold Level 100% cashback available Silver Level 75% cashback available Bronze Level 50% cashback available |
| Access to exclusive brands | Yes | No |
Crypto |
||
| Commission refund | Up to 50% of your crypto purchases and sales | No |
International money transfers |
||
| Discount on transfers | Up to 100% discount on Bnext’s margin | No |
Payment insurance |
||
| Extended warranty for purchases made with the Bnext card | Online purchase protection, ticket cancellation, payment insurance for all your purchases, etc. | No |
Governance |
||
| Access to defining the roadmap for new features | Yes | No |
Beta access |
||
| Priority access to test new features | Yes | No |
With B3X token |
|
|---|---|
Rewards |
Accessible levels |
| Gold Level 100% cashback available Silver Level 75% cashback available Bronze Level 50% cashback available | |
| Access to exclusive brands | |
Crypto |
|
| Commission refund Up to 50% of your crypto purchases and sales | |
International money transfers |
|
| Discount on transfers Up to 100% discount on Bnext’s margin | |
Payment insurance |
|
| Extended warranty for purchases made with the Bnext card Online purchase protection, ticket cancellation, payment insurance for all your purchases, etc. | |
Governance |
|
| Access to defining the roadmap for new features | |
Beta access |
|
| Priority access to test new features | |
Without B3X token |
|
|---|---|
Rewards |
Accessible levels |
| Gold Level 100% cashback available Silver Level 75% cashback available Bronze Level 50% cashback available Access to exclusive brands | |
Crypto |
|
| Commission refund Up to 50% of your crypto purchases and sales | |
International money transfers |
|
| Discount on transfers Up to 100% discount on Bnext’s margin | |
Payment insurance |
|
| Extended warranty for purchases made with the Bnext card Online purchase protection, ticket cancellation, payment insurance for all your purchases, etc. | |
Governance |
|
| Access to defining the roadmap for new features | |
Beta access |
|
| Priority access to test new features | |
Having a B3X balance allows you to get direct refunds when purchasing products from our Marketplace. These refunds are calculated based on your B3X level:
Partner |
Nivel Premium |
Advanced Level |
Basic Level |
|---|---|---|---|
|
10€ | 7,50€ | 5€ |
|
10€ | 7,50€ | 5€ |
|
10€ | 7,50€ | 5€ |
|
10€ | 7,50€ | 5€ |
|
|
Reembolso |
|---|---|
| Nivel Premium | 10€ |
| Nivel Advance | 7,50€ |
| Nivel Basic | 5€ |
|
|
Reembolso |
|---|---|
| Nivel Premium | 10€ |
| Nivel Advance | 7,50€ |
| Nivel Basic | 5€ |
|
Reembolso |
|---|---|
| Nivel Premium | 100€ |
| Nivel Advance | 75€ |
| Nivel Basic | 50€ |
|
|
Reembolso |
|---|---|
| Nivel Premium | 10€ |
| Nivel Advance | 7,50€ |
| Nivel Basic | 5€ |
|
|
Reembolso |
|---|---|
| Nivel Premium | 10€ |
| Nivel Advance | 7,50€ |
| Nivel Basic | 5€ |
(*) Refunds will be credited at the beginning of the month following the purchase and will depend on the product and the B3X level you had at that time.
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