You want a card for everyday purchases, travel, and online payments. Banco BPM's Carta Ego gives you those features with flexible options.
The online process is quick, and the benefits are laid out. This article explains how to apply, what to expect, and what makes this card stand out.
What Is Banco BPM Carta Ego?
Banco BPM offers Carta Ego as a versatile credit card for local and international use. You can pick from different versions, including Classic, Gold, and Webank-exclusive models. Each card supports physical and digital payments, including contactless and mobile.
You can shop online, in-store, or abroad without extra setup. It’s also supported by the MasterCard or Visa network. You choose the one that matches your lifestyle and spending level.
Carta Ego is available to Banco BPM customers and users who prefer full online management. The card adapts to your usage, whether you travel frequently or just want a safe way to manage daily purchases.
Webank editions are ideal if you don’t want to visit branches. You still get all the tools to handle your finances digitally.
Benefits and Features
Carta Ego is designed for flexibility and convenience. It provides tools for managing purchases, security, and digital payment options.
- Contactless payments let you tap and go for charges up to €25.
- Use your smartphone or smartwatch to pay with digital wallets.
- Online shopping is secure with 3D Secure Code and real-time SMS alerts.
- You can monitor your transactions through the Banco BPM app.
- American Express versions include 24/7 customer support and fraud protection.
- Gold and Platinum levels add travel perks and insurance coverage.
The mobile app helps you track spending, lock or unlock your card, and set limits. Integration with Apple Pay, Google Pay, and Samsung Pay offers smooth digital usage. You also receive transaction notifications instantly.
All cards come with fraud monitoring and quick blocking in case of suspicious activity. These features are standard, making your card usage safer and more convenient.
How to Apply Online?
You don’t need to go to a branch to get started. The entire process can be completed online.
- Visit the Banco BPM official website.
- Select "Carta Ego" from the credit card options.
- Choose the version you want: Classic, Gold, or Webank.
- Click "Apply Now" to start the application.
- Enter your name, tax code, and identification details.
- Upload supporting documents and verify your identity by webcam or app.
Once submitted, you’ll receive a confirmation via email or SMS. If more documents are needed, Banco BPM will contact you. After approval, the card is delivered to your address.
Digital versions can be activated immediately for online purchases. Webank users can manage everything directly within their secure online portal. The entire process usually takes just a few business days.
Requirements to Apply
Before you start, make sure you meet the basic eligibility conditions. Banco BPM requires applicants to confirm identity and show stable income.
- You must be at least 18 years old and a resident of Italy.
- A valid Italian ID and fiscal code are required.
- Proof of income or employment is necessary for approval.
- Some cards require a current account with Banco BPM.
- Webank cards are available for those who prefer 100% online banking.
- Higher-tier cards like Gold and Platinum may require higher income levels.
You may need to submit recent tax returns if you're self-employed or a freelancer. Banco BPM may also check your credit score before approving your application. The more complete your documentation, the faster the approval process.
Lower-limit cards with fewer requirements may be offered for students or young adults. Additional guarantees or a co-signer may be requested in some cases. It’s best to check the current list of required documents on the official website.
Interest Rates and Fees
Understanding the cost is essential before applying. Each version has different rates and features depending on your financial profile.
- The Classic version offers an APR that ranges from 14% to 16%.
- Gold cards have higher limits with more favorable rates if your profile qualifies.
- The Platinum version includes higher fees but offers insurance and travel perks.
- Webank cards often have no annual fee, but features may be limited.
- Currency conversion charges apply for international purchases.
- Full terms are available in the product info sheet on Banco BPM’s website.
Contactless and Digital Webank Cards
Webank issues Cartimpronta ONE and Gold Plus for users who prefer digital-only banking. These are contactless cards connected to Visa or MasterCard circuits.
- Cartimpronta ONE is a basic fee-free card managed entirely online.
- Gold Plus includes a higher credit ceiling and additional protections.
- Cards can be activated and controlled from your Webank dashboard.
- You receive real-time alerts via SMS and email for each transaction.
- 3D Secure protects online purchases, and you can freeze the card via app.
- No branch visits are required—you handle everything on your own schedule.
American Express Options: Green, Gold, and Platinum
Banco BPM also offers co-branded American Express cards with specific perks. These options give you more value if you travel frequently or use rewards.
- The Green Credit Card is best for basic spending and includes fraud protection.
- Gold Credit Card users receive a €50 travel voucher and purchase protection.
- Platinum Card users get Priority Passâ„¢ Prestige, extended insurance, and fast-track services.
- All cards come with 24/7 support and digital wallet compatibility.
- Application is also online and follows similar steps to Carta Ego.
- These cards may require a Banco BPM account and proof of income.
Disclaimer: Read the most recent terms on Banco BPM’s site before applying, as fees and eligibility rules can change. Your approval depends on income, credit history, and identity verification.
Contact Information
If you have questions or need help with your application, you can contact Banco BPM through these numbers:
- Toll-free for customers: 800 024 024
- Toll-free for non-customers: 800 997 997
- YouBusiness Web: 800 607 227
- Milan switchboard: +39 02 77 001 or +39 045 8675 111
Final Thoughts: A Reliable Credit Card with Flexible Options
Carta Ego gives you control, flexibility, and digital access in one card. You can choose a version that matches your spending habits and apply entirely online.
If you want more features, upgrade to Gold or Platinum for added perks. Before applying, make sure to review the terms and match the card with your financial needs.
