BPER Banca offers a wide range of CartaSi cards to help you manage your finances and pay securely. Whether you need a credit card, debit card, or prepaid option, there's something for you.
Applying online is straightforward and takes only a few steps. This guide covers the card types, application process, requirements, and support details.
Available CartaSi Card Types
Choosing the right one depends on how you plan to use the card. Here's what you need to know about the main types.
Prime, Premium, and Prestige Credit Cards
These three credit cards differ in features, credit limits, and benefits. The Prime Credit Card is basic but effective, offering cashback up to €60 and quick online or phone activation.
The Premium Credit Card gives you a higher monthly spending limit and travel-related benefits, including discounts and insurance.
The Prestige Credit Card targets frequent travelers and high spenders, providing a large credit limit and priority perks at airports. Each card requires you to reimburse the full or partial balance monthly. All credit cards must be linked to a current account.
MyPlan Credit Card
This is the installment-based option for users who want to spread out payments. You can repay with fixed or variable installments, depending on your budget. The card works both online and in stores, including ATM withdrawals.
It’s ideal for larger purchases you don’t want to pay off in one go. You still need a linked account and credit approval. The balance adjusts as you repay monthly.
Debit and Teen Cards
Debit cards offer a secure and simple payment method that allows you to use your current linked account. The Standard Debit Card works for in-store, online, and ATM transactions. The Debit Card Plus has a higher monthly limit and healthcare insurance.
The Teen Debit Card is ideal for minors. It lets you set spending controls and disable features like ATM withdrawals. These cards are good for teaching kids how to manage money. All debit cards require a current account.
Prepaid and IBAN Cards
If you want to avoid a complete bank account, prepaid and IBAN cards are alternatives. Prepaid Cards work like digital wallets and are suitable for shopping or giving to kids.
PayUp Teen is a zero-fee prepaid card for minors with a €1,000 top-up limit and remote top-up by parents. IBAN Cards combine prepaid benefits with account functions, allowing you to make transfers and receive payments.
The Current Card version lets you pay bills, get your salary, and manage payments. These cards don’t need a current account.
How to Apply Online for a CartaSi Card?
You can complete your card application online in just a few steps. Make sure you have your ID and personal information ready before starting. The process is faster if you are already a BPER Banca account holder. Follow these steps to get started.
Step-By-Step Application Process
To apply online, go to BPER Banca's official website. Choose the specific card you're interested in and click "Apply Online" or similar. You’ll need to fill in personal details like full name, tax code, and a valid ID.
If you have a BPER account, log in to pre-fill some fields. Complete the privacy and consent agreements. Upload documents and complete the identity verification using webcam or mobile app.
What to Expect After Submitting?
Once you apply, you will receive a confirmation by email or SMS. Some cards are sent to your address, while others are available instantly in digital format. Depending on the card, activation is done online or by phone.
Most cards require final approval based on identity or credit verification. You’ll also receive instructions to activate and manage your card. You can start using it after completing activation.
Features, Rates, and Fees
Every card comes with its own set of features and possible costs. Knowing what to expect in terms of fees helps you avoid surprises. Here's a breakdown of the typical features and costs.
Credit Card Fees and Limits
The Prime Card offers up to €60 cashback and requires monthly reimbursement. The Premium Card offers up to €90 cashback, higher spending limits, and health/travel discounts.
The Prestige Card gives airport perks, health services, and a higher credit ceiling. You must have a current account and good credit for approval. Interest applies only if balances aren’t paid in full. Fee schedules are available on BPER Banca’s official site.
Prepaid and IBAN Card Costs
Prepaid cards are cheaper than credit options. You pay only for top-ups and special functions. Some cards, like PayUp Teen, are free for minors and have daily spending limits. IBAN Cards offer more flexibility but may include small service charges.
Always check the cost of ATM withdrawals and bank transfers. Prepaid or IBAN cards do not require a credit check.
Eligibility and Requirements
Before applying, make sure you meet the basic conditions. Requirements depend on the card type. Here are the general eligibility rules you must follow.
Who Can Apply?
You must be at least 18 years old to apply for most cards. For Teen cards, the parent or guardian must submit the request. Credit card applicants must have an existing current account with BPER Banca.
Credit checks are mandatory for all credit products. Prepaid and IBAN cards do not require a credit check. Foreign nationals may apply with valid ID and residency documents.
Required Documents
Prepare your documents before starting the application. You will need a government-issued ID, such as a passport or national identity card, and a valid Italian tax code (Codice Fiscale).
Some cards also ask for proof of residence, such as a utility bill. If requested, submit income proof for credit cards. Parental consent and identification are required for teen cards.
Card Activation and Management
Once approved, you need to activate the card before use. BPER Banca allows multiple activation options for convenience. Managing your card after activation is simple.
Activation Options
You can activate your card online through your BPER Banca account. Alternatively, call customer service to activate it by phone. The process is quick and usually takes less than 10 minutes.
After activation, you can use the card immediately for online purchases and ATM withdrawals. Some cards are delivered active but still need confirmation. Always check the instructions included in the delivery package.
Managing Your Card
Use the BPER Banca mobile app or web portal to monitor transactions. Set limits or enable/disable card functions. You can also request top-ups for prepaid cards via the app.
Alerts and notifications help you track activity. Customer service can assist with issues like lost cards or disputed transactions. Monthly statements are available digitally.
Security Features and Parental Controls
BPER Banca cards come with built-in security features. You can manage risk and monitor your account using tools provided by the bank. If you give a minor a card, you get extra control.
What You Get?
Modern financial tools come with features that prioritize security, control, and convenience. These benefits help users manage their accounts confidently, whether for personal use or for supervising teen spending.
- Real-time transaction alerts
- PIN and biometric protection
- Temporary card blocking in case of theft
- Spending caps and withdrawal limits
- Remote top-ups for teen cards
- Card disable feature through app
Contact and Support Information
If you need help, BPER Banca offers multiple support options. Customer service is available in Italian and can help with all card-related queries. You can visit a branch, call support, or manage everything online.
Address: Via San Carlo, 8/20, Modena, Italy
Phone: +39 059 2022194
Website: www.bper.it
Support Channels: Phone, email, mobile app chat
Disclaimer: Card approval depends on successful verification. Terms may change without prior notice. Cashback offers may be temporary or tied to specific promotions. Not all services are available for prepaid or teen cards. Always review the current terms at the time of application.
Final Thoughts: Choose the Right BPER Banca CartaSi for Your Needs
BPER Banca offers several card options to match your spending habits. Whether you need flexible credit, prepaid control, or tools for your kids, there’s a card that fits.
Applying online is fast, and most cards activate in minutes. Review all card details before you apply to choose the right one.
