Oney Préstamos ES review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Oney Préstamos ES suits self-employed and business customers who want a Spanish credit card with points and a modest annual fee. Its annual fee of €10 sits well below the site maximum of €167.70, and its currency conversion fee of 1% matches the site median of 1%.
Key facts
- Best for
- Business customers in Spain who want points, a direct transfer feature and a small annual fee.
- Annual fee
- €10 (Source, checked September 26, 2026)
- Currency conversion fee
- 1% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 5 EUR voucher per 250 EUR of purchases (Tarjeta VISA Club Leroy Merlin) (Source, checked September 26, 2026)
- Perks
- Discounts on fuel at Alcampo service stations, Exclusive points and discounts on purchases, 3x 4x Oney deferred payment from 3 up to 12 instalments with your own bank card, Transferencia Directa: transfer money from the card to your bank account when you need it, Free card replacement request and insurance options such as Multiproteccion from 2 EUR per month (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Oney Servicios Financieros E.F.C., S.A.U. (Source, checked September 26, 2026)
- Headquarters
- Spain (Source, checked September 26, 2026)
- Support channels
- Help-centre, Phone, Chat (Source, checked September 26, 2026)
- Features
- Rewards
- Audience
- Business
- Official website
- oney.es
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- The annual fee of €10 is far below the site maximum of €167.70, so the card is cheap to hold for a credit product.
- The currency conversion fee of 1% matches the site median of 1% and beats the site maximum of 10.5%.
- Rewards are points based, listed in the rewards category, and worth a set voucher amount on the VISA Club Leroy Merlin card.
- Perks include a direct transfer from the card to a bank account, plus free card replacement and optional insurance.
Cons
- The annual fee of €10 is a real yearly cost on a credit card, where Wise's annual fee is £0.
- The currency conversion fee of 1% is above the site minimum of 0%, so card use abroad is not the cheapest route.
- The card targets business customers only, which narrows who can open one.
- Optional insurance such as Multiproteccion adds a monthly charge, on top of the annual fee of €10.
Who it suits
- Self-employed and business customers based in Spain who want a credit card
- Shoppers who use their Oney card at Alcampo service stations and Leroy Merlin
- Anyone who wants a points scheme with a voucher reward
Who should look elsewhere
- Shoppers who want a fee free card, since Wise charges £0
- Anyone outside Spain, as the provider is based in Spain
- Customers wanting a secured card backed by a deposit, such as the Varo Believe Secured Credit Card
How it compares on our data
On annual fee, Oney Préstamos ES sits at position 228 out of 301 brands we track, so it is a lower cost card than most of the field without being free. On currency conversion fee it ranks 81 of 181. The annual fee of €10 is a single euro figure rather than a range, and it compares with a site median of €0 and a site maximum of €167.70. The currency conversion fee of 1% sits right on the site median of 1%, between a site minimum of 0% and a site maximum of 10.5%. Put simply: you pay a modest fee to hold the card, and the cost of converting currency sits in the middle of the market rather than at either end.
Rewards and perks
Oney Préstamos ES pays in points. The headline rate on the VISA Club Leroy Merlin card is a set voucher amount for a set level of purchases, which works well if you already shop with that partner. Points sit inside the rewards category, where most cards in that group also pay in points, so the scheme is conventional rather than unusual. The perk list goes further than the points scheme. You get discounts on fuel at Alcampo service stations, exclusive points and discounts on purchases, and deferred payment through Oney, which lets you spread a purchase over several instalments using your own bank card. A direct transfer feature, branded Transferencia Directa, moves money from the card to your bank account when you need it. Card replacement requests are free, and insurance options such as Multiproteccion are available for a small monthly charge. Optional insurance is a running cost, so weigh it separately from the points.
Fees and FX
The main cost is the annual fee of €10 on this credit card. For context, the site median annual fee is €0 and the site maximum is €167.70, so this card is not a fee free product. Spend abroad is charged at a currency conversion fee of 1%, which matches the site median of 1% and sits below the site maximum of 10.5%. The optional insurance add on, such as Multiproteccion, runs as a monthly charge on top, so the cheapest way to hold this card is without it. Deferred payment through Oney is a way to spread cost, not a discount, and it applies when you pay with your own bank card. Card replacement requests carry no charge. For a business customer who keeps the card for a full year, the annual fee of €10 is the number to divide your own spending by.
The company behind it
The provider is Oney Servicios Financieros E.F.C., S.A.U., based in Spain. It is supervised by Banco de España under licence 8.814, which is the register a Spanish financial firm sits on. Support runs through a help centre, phone and chat, so you can reach a person by phone as well as self serve. The card is a credit card aimed at business customers, which shapes who the account works for. Being a Spanish provider also shapes where the card is meant to be used: at home, with domestic perks such as Alcampo fuel discounts and the Leroy Merlin partner card, rather than as a travel money card.
How Oney Préstamos ES compares
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Where Oney Préstamos ES is available
- Available
- Spain
- Licence in Spain
- Banco de España (8.814), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does Oney Préstamos ES cost to hold?+
The annual fee is €10 for this credit card. That compares with a site median of €0 and a site maximum of €167.70, so it is a modest but real cost. Optional insurance such as Multiproteccion adds a separate monthly charge if you take it.
What does it cost to use the card abroad?+
A currency conversion fee of 1% applies. That matches the site median of 1% and sits below the site maximum of 10.5%. The card is built for domestic Spanish use, with perks at Alcampo and Leroy Merlin, so it is not aimed at heavy travel spending.
Who can open an Oney Préstamos ES card?+
The card is aimed at business customers, and the audience is listed as business. It is a credit card, so it is revolving credit rather than a debit or prepaid account. In other words, a sole trader or company account is the intended holder.
Is Oney Servicios Financieros regulated?+
Yes. The provider is Oney Servicios Financieros E.F.C., S.A.U., based in Spain, and it is supervised by Banco de España under licence 8.814. That register entry is where a Spanish financial firm is listed.
What rewards does the card pay?+
Rewards are paid in points, and the headline rate on the VISA Club Leroy Merlin card is a set voucher amount per set level of purchases. You also get exclusive points and discounts on purchases, plus fuel discounts at Alcampo service stations. Points and perks are separate from the card fee.
Can I move money from the card to my bank account?+
Yes, through a direct transfer feature that moves money from the card to your bank account when you need it. This is separate from ordinary card spending. The card is a credit card, so a revolving balance can still apply to what you spend.
How do I contact Ooney?+
Support runs through a help centre, phone and chat, so you have both self serve documentation and a person to call. Phone support is the quickest route for a business customer dealing with a payment or transfer question. The provider operates from Spain.
Is a replacement card free?+
Yes, card replacement requests are free of charge. Insurance options such as Multiproteccion are offered separately, starting from a small monthly charge. Keeping insurance optional is what keeps the running cost down beyond the annual fee of €10.
Sources
- oney.es checked September 26, 2026
Backs: Features, Perks, Rewards rate, Rewards type
- oney.es/aviso-legal checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Oney Servicios Financieros E.F.C., S.A.U ... CIF A-83113324”
- oney.es/aviso-legal/tarifas-comisiones checked September 26, 2026
Backs: Annual fee, Card kind, Currency conversion fee
- oney.es/contacto checked September 26, 2026
Backs: Support channels
- oney.es/prestamos checked September 26, 2026
Backs: Audience
“3x 4x Oney Empresas”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
Related by the facts
Oney Préstamos ES
Business customers in Spain who want points, a direct transfer feature and a small annual fee.