Agos — Agospay / Agospay Zero
Agos Ducato S.p.A. · Visa
Agospay is the fixed-instalment/revolving credit card from Agos Ducato (a consumer-finance company of the Crédit Agricole–Banco BPM group), on the Visa network. It has no annual fee and no issuance cost, but the credit is expensive: paying by instalments applies a nominal rate (TAN) of about 15.5% and an APR (TAEG) of 18.64%; the Agospay Zero version is TAN 15.95% / TAEG 19.17%, with single purchases ≥€500 repayable in 10 instalments at 0% TAN. Add a €1.25 monthly management charge and stamp duty. It is essentially consumer credit dressed up as a card: it only makes sense if you use the interest-free plan on large Agospay Zero purchases and avoid ordinary revolving.
Data & conditions
| Network | Visa |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| APR | 19.17% (fixed) |
| Issuing bank | Agos Ducato S.p.A. |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | 4% |
| FX markup | 0% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Agos Ducato · finanziaria del gruppo Crédit Agricole–Banco BPM · credito al consumo |
| Regulator | Banca d'Italia (vigilanza intermediari finanziari) |
| Segment | B2C |
| Funding / solidity | Agos Ducato · consumer-finance company of the Crédit Agricole–Banco BPM group |
| MiCA / License status | Intermediario finanziario vigilato (Agos Ducato S.p.A., albo ex art. 106 TUB) Supervised financial intermediary (IT) |
Plans & pricing
Agospay
- Price
- Free
- No annual fee · €1.25/month management + stamp duty
- Fixed instalment / revolving · Visa network
- TAN ~15.5% · APR 18.64% on instalment use
- Cash withdrawal 4% of the amount
- Online application, subject to Agos approval
Agospay Zero
- Price
- Free
- No annual fee · €1.25/month management + stamp duty
- Purchases ≥€500 in 10 instalments at 0% TAN
- Other instalment use: TAN 15.95% · APR 19.17%
- Cash withdrawal 4% of the amount
- Visa network
Strengths
- No annual fee and no card issuance cost
- Agospay Zero: single purchases ≥€500 repayable in 10 instalments at 0% TAN
- Fully online application and management; Visa network accepted everywhere
- Plannable monthly instalment, useful to spread large purchases without an overdraft
- No notable sovereignty advantage documented.
Weaknesses
- Expensive revolving credit: 18.64% APR (Agospay) and 19.17% (Agospay Zero) on instalment use
- €1.25 monthly management charge + stamp duty, costs left out of the 'zero fee' claims
- 4% cash-withdrawal commission, with no minimum or maximum
- A finance-company product built to make you pay in instalments: minimum repayment inflates total interest
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
- Funds can be frozen at the platform’s discretion.
- Subject to regulation (Supervised financial intermediary (IT)): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
Agospay is a finance-company credit card, not a bank-account card: its core is consumer credit. The only real advantage is the interest-free 10-instalment plan on Agospay Zero purchases ≥€500; everything else on revolving is very expensive (18.64–19.17% APR), on top of €1.25/month management and 4% on withdrawals. The low rating (2.9/C) reflects exactly the cost of revolving credit: paying the minimum instalment piles up interest that can far exceed the perceived saving. It is fine only as a deliberate, interest-free instalment tool, never as an everyday credit card.
A credit card is a credit line, not custody of funds: there is neither self-custody nor a user balance. It is a fully tracked and censorable instrument — full KYC, a supervised Italian finance-company issuer that profiles transactions and can suspend the line or revoke the limit at its discretion. On the sovereignty lens it is the opposite of trustless tools: no anonymity, no censorship resistance.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Agos — Agospay / Agospay Zero, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Google Play ↗
3.9/5
24,271 reviews
Italian storefront, "Agos" app: structured page data (ratingCount 24,271), while the visible label rounds to "23.9K reviews". It covers the Agos app as a whole, not the Agospay card alone.
-
App Store ↗
4.0/5
7,504 reviews
Italian storefront, official "Agos" app by AGOSDUCATO SPA (exact figure from the iTunes Lookup endpoint). The score covers the app managing every Agos product (loans, financing, credit lines), not the Agospay card alone.
Weighted average across 2 public review platforms (31,775 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
How much does the Agospay card cost?
There is no annual fee and no issuance cost, but a €1.25 monthly management charge plus stamp duty applies. If you pay by instalments you pay interest: 18.64% APR on Agospay and 19.17% on Agospay Zero.
What is different about Agospay Zero?
Agospay Zero lets you repay single purchases of €500 or more in 10 instalments at 0% TAN; other instalment use carries TAN 15.95% and APR 19.17%. It only pays off for large interest-free purchases.
Sources
- Official service page Data verified on Jul 12, 2026