Findomestic — Carta Aura vs Deutsche Bank — db Contocarta
Deutsche Bank — db Contocarta starts ahead on fees: no annual fee versus €12 for Findomestic — Carta Aura. For spending abroad FX markup matters, and Findomestic — Carta Aura does better (1.5% vs 1.75%). The structural difference is custody: Findomestic — Carta Aura leaves you the keys, while Deutsche Bank — db Contocarta holds funds on the platform. In our editorial rating Deutsche Bank — db Contocarta leads (3.7 vs 2.9). The choice depends on your real spending profile: redo the math with your volumes before picking between Findomestic — Carta Aura and Deutsche Bank — db Contocarta.
| Findomestic — Carta Aura | Deutsche Bank — db Contocarta | |
|---|---|---|
| Tier | C | B |
| Rating | ★ 2.9 | ★ 3.7 |
| Network | Visa/Mastercard | Visa |
| Card type | Revolving credit | — |
| Backing | Unsecured | — |
| APR | 24.07% (variable) | — |
| Credit limit | €2,500 | — |
| Issuing bank | Findomestic Banca S.p.A. | — |
| Issuance fee | Free | Free |
| Annual fee | €12/year | Free |
| Free ATM limit | Cash advance: from the official Information Sheet (dated edition) max 4% of the amount, minimum €3.62; 2026 sources indicate a fixed fee of ~€4.62, not confirmed against the current Information Sheet | Euro withdrawals €0 in Italy and abroad; limit €500/day, €5,000/month |
| ATM withdrawal | 4% | Free |
| FX markup | 1.5% | 1.75% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| Virtual card | Yes | No |
| KYC | Full | Full |
| Privacy | 2/10 | 3/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Carta di credito revolving di Findomestic, credito al consumo del Gruppo BNP Paribas | Prepagata con IBAN di Deutsche Bank S.p.A., filiale italiana del gruppo Deutsche Bank |
| Regulator | Banca d'Italia (vigilanza bancaria) | Banca d'Italia · BCE (MVU) |
| Segment | B2C | B2C |
| Fund custody | — | Custodial (platform holds funds) |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Licenza bancaria IT (Gruppo BNP Paribas) · credito al consumo | Licenza bancaria (Deutsche Bank S.p.A., Albo delle Banche Banca d'Italia) |
Frequently asked questions
Findomestic — Carta Aura vs Deutsche Bank — db Contocarta: which is better?
Deutsche Bank — db Contocarta starts ahead on fees: no annual fee versus €12 for Findomestic — Carta Aura. For spending abroad FX markup matters, and Findomestic — Carta Aura does better (1.5% vs 1.75%). The structural difference is custody: Findomestic — Carta Aura leaves you the keys, while Deutsche Bank — db Contocarta holds funds on the platform. In our editorial rating Deutsche Bank — db Contocarta leads (3.7 vs 2.9). The choice depends on your real spending profile: redo the math with your volumes before picking between Findomestic — Carta Aura and Deutsche Bank — db Contocarta.
Is Findomestic — Carta Aura custodial or self-custody?
Findomestic — Carta Aura is self-custody: you keep the keys, while Deutsche Bank — db Contocarta is custodial.
Which is better for spending abroad?
For foreign-currency spending Findomestic — Carta Aura wins, with the lowest FX markup: 1.5%.