The minimum payment is the smallest amount you need to repay by the 15th of the month to keep your Credit account in good standing.
💳 If you repay everything you used during a calendar month in full by the 15th of the following month, no minimum payment applies and no interest is charged.
The minimum payment only becomes relevant when you don't repay in full.
If you don't repay in full, the minimum payment is a small part of what you still owe — 3% of it, plus the interest accrued so far.
It is always at least €20, unless you owe less than that, in which case you simply repay what's left.
You never need to work this out yourself: the exact amount is shown in the app before each payment date.
You can always choose to pay only the minimum, more than the minimum, or your full balance. Paying more than the minimum reduces your balance faster, lowers the interest you'll pay, and frees up your available limit sooner.