Thanks to a globally accepted prepaid card connected directly to your smartphone, you can save time and money while maintaining full control over daily purchases.
Tinaba Mastercard Standard combines a feeless payment experience with the convenience of in‑app management, giving you an easy way to handle transactions anywhere in the world without carrying cash or worrying about hidden charges.
Because the card runs on the Mastercard network, every merchant that takes Mastercard—online or in‑store—will accept it, so your buying power travels worldwide.
Tinaba Mastercard Standard Essential Benefits
Before diving into the details, gain clear insight into the card’s most substantial advantages.
- Italian acceptance on the Mastercard network ensures smooth payments during travel, study, or remote work abroad.
- Zero issuance fee on your virtual card and no maintenance charge, keeping running costs predictable.
- Twelve free cash withdrawals in the European Union each year for Start users, with even higher allowances on Premium plans.
- Instant reloads from the Tinaba app, letting you transfer funds from a linked account, Piggy Bank, or shared Tinaba Group in seconds.
- Two‑factor authentication and 3‑D Secure guard your funds with bank‑level protocols on every online purchase.
- Integration with Apple Pay, Google Pay, Samsung Pay, Swatch Pay, Fitbit Pay, and Garmin Pay enables tap‑and‑go shopping with any connected device.
- An optional physical card is delivered for a one‑time €7.99 fee (free for Minor plans) if you prefer plastic alongside the fully functional virtual version.
- Introductory 10 percent cashback on card purchases for new Tinaba customers, automatically putting real money back in your pocket.
Universal Payments Without Hidden Fees
Access a borderless payment tool that removes friction at checkout and cuts unnecessary costs.
0 Maintenance Fee
Tinaba issues a Mastercard prepaid card with no monthly maintenance fee, so budgeting becomes simpler.
Twelve complimentary ATM withdrawals inside the European Union cover occasional cash needs, while online and in‑store purchases never incur Tinaba surcharges—only overseas ATM withdrawals cost €4 per use.
Because the card is prepaid rather than credit‑based, spending limitations are set by the balance you load, preventing accidental overdrafts.
Total Control through the Tinaba App
Keep a real‑time overview of balances, reloads, and spending categories without visiting a branch.
Handy and User-Friendly App
The Tinaba app's home screen shows the exact amount loaded on your prepaid card under “In the Card.” Tapping that tile reveals a timeline of transactions, handy filters, and a reload button.
Funding options include transfers from your Tinaba current account, Piggy Banks created for savings goals, and shared Tinaba Groups used for household or trip budgets.
Reload amounts above €20 remain fee‑free for Start users; smaller top‑ups cost €0.99, while Premium and Minor plans enjoy unlimited free reloads.
Reliable Security for Every Transaction
Protect your money through modern verification layers designed for digital lifestyles.
Tinaba partners with Banca Profilo, so each user receives an Italian IBAN protected by deposit guarantees under European regulations. The app requests a personal PIN or biometric confirmation (facial recognition or fingerprint) before approvals.
Registering the card on Nexi and enabling 3‑D Secure ensures that every online purchase prompts an additional security check, dramatically lowering fraud risk. Transparent logs let you audit movement histories whenever questions arise.
Seamless Mobile and Wearable Payments
Combine contactless convenience with maximum device flexibility.
After activation, the virtual card appears instantly inside your Apple Pay, Google Pay, Samsung Pay, Swatch Pay, Fitbit Pay, or Garmin Pay wallet. Tapping a phone or smartwatch at any NFC terminal completes payments within seconds, while the physical card remains a reliable backup.
International travelers can also scan Alipay+ QR codes in more than 2.5 million partner stores, which allows real‑time euro payments without currency exchanges—a powerful perk when exploring markets worldwide.
Earn Cashback on Everyday Purchases
Turn routine spending into automatic savings without enrolling in complicated reward schemes.
New Tinaba users qualify for 10 percent cashback on all card transactions across product categories, credited directly to their balance once campaign rules are met.
You start seeing tangible returns immediately because the discount applies to groceries, utilities, and online orders. Full promotion details appear inside the app for quick reference.
Comparing Start, Premium, and Minor Plans
Select the tier that aligns best with usage frequency, withdrawal habits, and age group.
- Start:
‑ Virtual card: free issuance.
‑ Physical card: €7.99 one‑time cost.
‑ Reloads: two free each month, then €0.99; amounts under €20 always cost €0.99.
‑ ATM withdrawals in the EU: twelve free per year, afterward €2 each.
‑ Extra EU withdrawals: €4 each.
‑ Daily withdrawal cap: €250.
‑ Single top‑up limit: €2,500. - Premium:
‑ All reloads free and unlimited.
‑ Twenty‑four complimentary EU withdrawals per year.
‑ Other fee conditions match Start unless stated. - Minor:
‑ Virtual and physical cards free.
‑ Unlimited reloads without fees.
‑ Twelve free EU withdrawals.
‑ Remaining parameters mirror Start, with parental oversight available.
Each plan carries the same security standards and mobile‑payment compatibility, so the primary decision revolves around withdrawal needs and reload volume.
Transaction Limits and Overseas Usage
Plan cash access carefully to avoid unexpected charges while traveling. Individual ATM withdrawals cannot exceed €250, and daily limits restart at midnight Central European Time.
It is not supported to load funds beyond €2,500 in one operation, maintaining responsible usage and compliance with anti‑money‑laundering guidelines.
When operating outside the European Economic Area, you pay a flat €4 per physical‑card withdrawal, yet purchases remain fee‑free because Mastercard handles currency conversion at competitive interbank rates.
A Full Suite of Banking Tools in One Place
Extend functionality beyond a simple prepaid card and manage every aspect of personal finance from a single dashboard.
Tinaba supplies an Italian IBAN current account with no activation cost or stamp duty, empowering you to receive salary payments, send wire transfers, and set up direct debits for utilities worldwide.
Billers using PagoPA, MAV, RAV, or standard barcode systems can be paid directly inside the app, and the first five transactions are free under Premium. Integration with Switcho lets you benchmark service providers and uncover potential savings on electricity, gas, internet, and mobile plans.
Buying & Selling Inside the App
The Crypto section offers buying and selling of major digital assets with commissions starting at €0.99, backed by Checksig’s insured custody protocols.
For long‑term goals, Piggy Banks and fixed‑term Deposit Accounts help automate saving, while a digital Roboadvisor invests as little as €2,000 into diversified portfolios with adjustable risk.
Group features—Raccolte Flash for one‑off collections and Tinaba Groups for ongoing shared expenses—transform money management into a collaborative, transparent activity among relatives, friends, or roommates.
How to Apply for Tinaba Mastercard Standard Online
Follow a straightforward, fully digital procedure that rarely takes longer than ten minutes.
- Download the Tinaba app from the iOS App Store or Google Play and tap “Open an account.” Make sure your device’s camera and location services are active.
- Enter personal data such as name, tax code, and residential address, then photograph an identity document plus a selfie to comply with know‑your‑customer protocols.
- Please review the terms of service presented onscreen and tick the consent boxes covering data usage, marketing, and optional services; you can opt out without limiting account features.
- Choose your plan—Start, Premium, or Minor—and decide whether to request the physical card immediately or postpone until later through the “My card” menu.
- To accelerate future access, create a six‑digit security PIN and enable biometric login if your device supports fingerprint or face recognition.
- Wait for automated verification; most applications receive confirmation within minutes, when a virtual card becomes active and visible on the app’s home screen.
- Add funds via bank transfer, another card, or a Tinaba contact, then connect the new Mastercard to preferred mobile wallets to start spending worldwide.
Best Practices to Maximize Card Value
Apply these practical habits to extract the most significant benefit from every feature.
- Reload in chunks above €20 when using the Start tier, avoiding unnecessary €0.99 top‑up fees.
- Schedule salary credits with Tinaba to guarantee a steady balance and unlock free premium withdrawals.
- Register the card on Nexi immediately and verify 3‑D Secure status to prevent online transaction declines.
- Monitor the Promotions tab in the app, where limited‑time cashback or partner discounts appear regularly.
- Consolidate group spending by creating Tinaba Groups for trips or shared apartments; the chat thread keeps everyone updated on contributions.
- Leverage Alipay+ QR payments when traveling through Asia, because many merchants in tourist areas accept the network, simplifying currency management.
- Set up Piggy Banks for routine objectives—holiday budgets, emergency funds, or gadget upgrades—and trigger automatic transfers after each salary deposit.
Conclusion
Tinaba Mastercard Standard delivers a flexible, security‑focused payment solution that travels worldwide, integrates seamlessly with every primary digital wallet, and aligns with smart money management habits—available through a quick online application that requires no branch visit and minimal paperwork.
