Financing

Yes, it is free. It has no interest or charges associated with it. It is designed to make life easier for people who want to shop at IKEA.pt. If you are charged a fee, you should check the situation with your card-issuing bank.

To pay in 3x with no costs, you must be the holder of a citizen card issued by the Portuguese Republic, with the exception of the citizen card under the Porto Seguro Treaty, and a debit or credit card, of the Visa® or Mastercard® networks, issued by an institution authorised to operate in Portugal and with a validity equal to or greater than thirty days from the end of the chosen reimbursement period. Residence permits are not allowed. Payments of instalments shall be made exclusively by debiting the bank card indicated by you.

Yes, you can make several purchases at the same time. You just have to take into consideration the acceptance limits and in accordance with Oney's commercial and risk policy.

At IKEA.pt the solution is available for a purchase between 45€ and 1200€.

Payment of the instalments is made by debiting the bank card you used for the purchase. The first instalment is charged at the time of signing the contract and the remaining every 30 days.

If you have used your credit card, the payment will be recorded on your card statement, and the amounts used with your card will be settled on the date you have agreed with the card-issuing bank.

To ensure the smooth running of the process, you will not be able to change it. The day of payment of the instalment is fixed from the day of entering into the contract and cannot be changed.

If you are unable to pay your instalment on time, please contact us by telephone on 808 913 434 (national landline call), available Monday to Friday, from 9am to 8pm and Saturdays and bank holidays from 9am to 1pm, or by email to suportecliente@oney.pt.

As an alert measure, you may be notified by Oney of the occurrence so that you can resolve this. And if the payment of the instalment is not accepted and, as such, does not occur on the day contractually provided, the situation of your card or bank account must be normalised as soon as possible, through the immediate provision of funds and/or change of the associated bank card.

Please note that for each instalment that is overdue and unpaid, a recovery fee will be charged.

You can associate debit or credit cards of the Visa® or Mastercard® networks, issued in Portugal by institutions authorised in Portugal and with a validity equal to or greater than thirty (30) days from the end of the chosen repayment period. Check with your bank if your card allows you to make online purchases, namely if the 3D Secure service is active, and make sure you have sufficient funds for the payment of the first instalment. Prepaid cards, or cards only from the Multibanco network or private cards are not accepted. Merchant type MB NET cards are accepted, with a validity equal to or greater than thirty (30) days from the end of the chosen repayment period, and which are generated with the total amount of the purchase.

The definition of the main payment card is there to make your life easier. In other words, it allows you to define and associate a main bank card for future purchases in your 3x 4x Oney account on oney.pt, so that you don't have to enter the corresponding information every time you make a purchase.

When the validity of your card expires, or if it is lost, stolen or defective, you should access your 3x 4x Oney account on oney.pt and indicate the new card.

Please note that, to avoid costs for recovery of the amount owed, the change of card should be made prior to the charging of the next instalment, with a limit of up to 48 hours prior to the charging of the instalment.

First of all, you should contact IKEA to check which procedures are in place for this, as well as the applicable legal deadlines.

Then, if the item replacement implies a change in the value of your purchase, this will be reflected in your contract, with the value of the instalments being recalculated according to the new purchase value. Finally, you will receive an email with your new payment plan.

If the return gives rise to a refund, it will be processed directly to the bank card used by you when you paid for the purchase.

The 3x 4x Oney account is your customer area, a space where you can consult all the details of your active and finalised contracts and manage all the information in your client profile, such as updating your personal data and cards.

You can activate your 3x 4x Oney account at the end of your first purchase process by defining your password to access this customer area. This setting is optional. However, setting the password to access the account 3x 4x Oney makes your next purchase easier and quicker as you will not need to provide your personal and bank card details again.

Alternatively, you can activate your 3x 4x Oney account via the link sent to you by email within days of your purchase or directly in the 3x 4x Oney customer area. If you choose this option, please enter your email address in the login area to be redirected to the account activation process.

To join the IKEA Family credit card you must be an IKEA Family member.

To join the IKEA Family credit card you just need to have an active bank account in any bank. The amount of your purchases and/or monthly card fees will be automatically debited from this account monthly, through the direct debit system.

The IKEA Family credit card is a credit card accepted in IKEA stores, at IKEA.pt and in participating stores of the Visa® and Multibanco® networks.

You can pay for your purchases at IKEA stores immediately by using the digital IKEA Family credit card provided at the time of membership.

You will receive the final card at home and, for security reasons, you must activate it through your home banking, available on the Oney App or at oney.pt. After activation, you must select the option to send the PIN so that it is sent to your mobile phone.

Whenever you make a purchase in a participating establishment, you must pay attention to the following procedures:

1. Present the card duly signed, as well as identify yourself when requested to do so;
2. Check the amount and confirm the transactions made through the use of contactless technology and/or PIN, regardless of whether your signature is also requested;
3. Keep a copy of the invoice or receipt until you receive your statement.

Yes, you can withdraw cash from any ATM in Portugal and worldwide, this service is subject to a fee. 

Yes, you accumulate reward keys on purchases you make with the physical IKEA Family credit card. To do this, simply register your purchase with the QR code on the back of your card. If the purchase is made through the digital card, you will need to swipe your IKEA Family card to enjoy these benefits.

The important dates for IKEA Family credit card transactions are:

• Statement period closing date – the 20^th of each month;
• Date of payment of the monthly card fee - the 5^th of each month.

Example: for purchases made between 21^st September and 20^th October, payment will be made on 5^th November according to the chosen method.

To manage the card account 24 hours a day, 365 days a year, simply access your homebanking, available through the Oney App or at oney.pt, and you will have access to the last 6 account statements, as well as other information about the credit limit, balance used, available balance, list of recent transactions, among others. The available balance is the difference between your credit limit and the amount used (purchases, balance transfer, ATM withdrawals, payment for services, expenses and taxes, not yet paid).

It is an authentication code used to access the following Oney contact channels:

• Phone
• App
• Website

This code will be sent to you by SMS after joining the IKEA Family credit card.

Additional payments received by Oney between the 1^st and the 19^th of the month will repay the outstanding capital. If you wish to pay your monthly instalment in advance, Oney must receive the payment between the 21^st and before the last 5 working days of the month. To make additional payments use the entity and Multibanco reference indicated on your statement, use the Payshop service or send the cheque or postal order to Oney, in which case you must clearly identify all your customer details.

Purchases you make with the IKEA Family credit card, in IKEA stores or at IKEA.pt, may be changed to an interest-free instalment payment method 72 working hours after the purchase. This change must be made in your home banking, through the Oney App or at oney.pt (in the manage menu and in the change payment method functionality). You must consider the following dates to change the payment method:

• Purchases made between the 1st and the 20th of the month may be modified up to 2 working days before the end of the month;
• Purchases made between the 21st and 31st of the month may be modified up to 2 working days before the end of the following month.

In the event of loss, theft or robbery of your IKEA Family credit card, you must immediately access the home banking, available on the Oney App or at oney.pt, select the option card security - loss/theft and report the situation, making a request for replacement and ensuring the immediate cancellation.

You can also contact our customer support service, on 214 125 222, with personalised assistance available from Monday to Friday from 9am to 8pm and on Saturdays and public holidays from 9am to 1pm, or by IVR (automatic service available 24 hours per day). 

Yes, to join the IKEA credit line you must be an IKEA Family member.

No. To join the IKEA credit line you only need to have an active bank account in any bank. Monthly, on that account is automatically debited the amount of your monthly fees through the direct debit system.

You can join at any IKEA store.

Your credit line can be used on purchases in IKEA stores and on IKEA.pt.

Yes, you can freely use the credit available during the 4-month period from the date of acceptance of the contract until the last day of the 4th month. At any time, you can consult the deadline for using the IKEA credit line, available in the integrated position of the homebanking on oney.pt or on the Oney app.

After approval of your IKEA credit line, you can immediately pay for your purchases in IKEA stores or on IKEA.pt, using the digital money order available on the digital account of the 1st contract holder.

The digital account is the area where you have available data that allows you to make purchases with the IKEA credit line in IKEA stores or on IKEA.pt. 

The digital account is available by SMS, as well as in your homebanking on oney.pt or on the Oney app.

At any time and from anywhere, just log in to your homebanking at oney.pt or at the Oney app and you have access to the last 6 account statements, list of the last movements, among other information. 

It is an authentication code which is used to access the following Oney contact channels:

• Phone
• App
• Website

This code is sent by SMS after joining the IKEA credit line.

The important dates relating to movements on the IKEA credit line are:

• Statement period closing date - the 20th of each month;
• Monthly payment date - the 5th of each month.

Example: purchases made between September 21 and October 20, the payment is made on November 5 according to the chosen method.

You can only change your purchases made with the IKEA credit line to interest-free instalment terms 72 hours after the purchase date. This change must be made in your homebanking at oney.pt or at the Oney app (menu ‘gerir' and functionality 'alteração modalidade pagamento').

In addition, you should consider the following dates to change the payment method:

• Purchases made between the 1st and the 20th of the month may be modified up to 2 working days before the end of the month;
• Purchases made between the 21st and 31st of the month may be modified up to 2 working days before the end of the following month.

Additional payments received by Oney between the 1st and the 19th of the month are amortized to the outstanding principal. If you wish to advance your monthly payment, Oney must receive the payment between the 21st and before the penultimate day of the month. To make the additional payments use the ATM reference and entity indicated on your statement, as well as the Payshop service.

If you prefer to send a check or postal order to Oney, you must clearly identify all your customer data and it must be received by Oney 2 working days before the 20th.