The SelfyConto Mastercard from Banca Mediolanum is a digital-first banking solution designed for everyday users who value convenience and rewards. It's built for flexibility and simplicity with a 5% cashback offer and customizable card features.
This guide explains how to apply, what you get, and what conditions apply. Everything is direct and easy to follow, so you can make a wise decision quickly.
What Is SelfyConto and Who Is It For?
SelfyConto is Banca Mediolanum's fully digital current account. It works with a debit Mastercard that can be used online or in stores. You manage everything through the Mediolanum App.
The account is ideal if you're under 30, but anyone over that age can still enjoy many benefits. This account fits your needs if you want cashback and digital control. The service is aimed at tech-savvy users who prefer mobile banking.
Core Features of SelfyConto
SelfyConto is packed with practical features. You get a Mastercard debit card linked to your account, and everything is managed through an intuitive app.
Digital card usage is available immediately after activation. The card is free for one year, and SEPA transfers are free too. ATM withdrawals in the Eurozone are also free.
Eligibility Requirements
To open a SelfyConto, you must be 18 or older and reside in Italy. You need a valid tax code and a personal identification document. Your photo and a live video or selfie are required for identity verification.
The entire process is done online without branch visits. You must accept the terms and conditions digitally. Approval is typically fast, and the digital card is issued right after.
Key Benefits of the SelfyConto Mastercard
This card offers more than just payments. You get real cashback, full mobile access, and flexible options. It's designed to support everyday spending while saving you money. Here are the highlights that make this Mastercard stand out.
5% Cashback Campaign
One of the biggest perks is the 5% cash back on eligible purchases. To qualify, open a SelfyConto by June 30, 2025, and use your Mediolanum debit card linked to the account.
The cashback is limited to €500 of monthly purchases. This means you can earn up to €25 in cashback per month. The offer runs until July 31, 2025.
Card Features and Customization
The SelfyConto Mastercard is available in debit, credit, and prepaid versions. You can choose your card color and upload your photo for personalization. The card uses the Mastercard circuit and supports contactless payments.
You also get SMS alerts and can set security preferences via the app. Digital card use is available immediately upon approval, making it fast and practical.
Limits and Digital Access
The debit card allows spending up to €1,000 per day and €4,500 per month. There are no extra fees for usage in the Eurozone. You can use the card while waiting for the physical version to arrive.
App notifications help you monitor every transaction. The app includes budgeting tools and spending history. You stay in control at all times.
How to Apply for SelfyConto Mastercard?
The application process is 100% online and takes only a few steps. You don’t need to visit a branch or mail any paperwork. The bank uses digital verification and identity checks. Follow these simple steps to get started.
Step 1: Visit the Official Website
Go to the Banca Mediolanum website or open the Mediolanum App. Tap on "Apri SelfyConto" to start. Make sure you have a stable internet connection.
Keep your ID and tax code ready. You’ll be guided through each screen, which is optimized for desktop and mobile.
Step 2: Fill in Your Details
Enter your full name, address, date of birth, and tax code. Upload a photo of your ID. Take a live selfie or video to verify your identity.
You’ll also provide a phone number and email for contact. Double-check your info before submission. All data is encrypted and securely stored.
Step 3: Sign Digitally and Wait for Approval
You’ll receive a contract to sign electronically. Review and accept the terms and privacy notice. Once submitted, your identity will be verified.
If approved, you receive immediate access to your digital card. The physical card will follow by mail. You can now begin using the account and earning cashback.
Additional Selfy Services for Cardholders
SelfyConto is more than just a bank account. Once inside the ecosystem, you can use several optional services. These include instant loans, 0% financing, and pet or travel insurance. All are accessible from the Mediolanum App.
SelfyCredit Instant
You can apply for a loan between €2,000 and €20,000. The TAN is fixed at 6.99% and the APR is capped at 7.27%. There are no processing fees or substitute tax.
Approval is instant if you meet the requirements. The funds go straight into your SelfyConto. It's a fast way to access credit when needed.
SelfyShop
This lets you finance catalog purchases with TAN and APR at 0%. You can split payments starting from 6 months. Use the app to apply and sign the contract.
If you qualify, no interest means no extra costs. Terms and eligibility apply. This is a useful option for large purchases.
SelfyCare Pet and Travel
You can insure your pets for illness, accidents, and liability. The plan includes reimbursement for vet bills. You can also add civil liability protection.
SelfyCare Travel offers two plan types for travelers. Choose the one that fits your travel style, and apply and activate directly from the app.
Fees, Conditions, and Account Options
SelfyConto is affordable and offers special benefits depending on your age. You also get a full year free of maintenance fees. After that, fees are low and can be avoided under certain conditions.
Under 30 Benefits
Users under 30 pay zero fees for one year. SEPA transfers and Eurozone ATM withdrawals are free. The debit card is also free for 12 months, then €10/year.
PayPal and Plick allow you to send and receive money. There is no income requirement, making it ideal for students and young professionals.
Over 30 Conditions
You also get €0 in fees in the first year. After that, maintenance costs €3.75/month. This fee is waived if you credit your salary or spend at least €500/month.
All other benefits remain. SEPA and ATM usage stay free, and you still qualify for cashback and digital services.
Interest Rates and Credit Terms
Loans and financing options have specific interest rates. SelfyCredit Instant uses a fixed TAN of 6.99%, and the corresponding APR is capped at 7.27%.
All loans are subject to approval based on your credit profile. There are no extra costs or hidden fees. Always check the latest terms in the app. Rates may change at any time.
Disclaimer: For help, contact Banca Mediolanum at Palazzo Meucci, Via Francesco Sforza 15, 20080 Basiglio Milano 3, Italy. You can also use the app or website for chat support and FAQs.
Contact and Support
For help, contact Banca Mediolanum at Palazzo Meucci, Via Francesco Sforza 15, 20080 Basiglio Milano 3, Italy. You can also use the app or website for chat support and FAQs.
Final Thoughts: A Modern Card with Real Benefits
The SelfyConto Mastercard is a great choice for a digital account with extra perks. From cashback to app-based control, it covers everything a modern user needs.
It’s fast to apply, simple to use, and includes extra tools like loans and insurance. Open your account before the deadline to take advantage of the cashback offer.
