BancoPosta — Carta di Credito
Poste Italiane S.p.A. (BancoPosta) · Visa/Mastercard
The BancoPosta Credit Card is Poste Italiane's credit card, reserved for BancoPosta account holders and distributed widely through post offices. It is an "option" card: you repay in full by the following month (up to ~40 interest-free days) or in installments/revolving, with a minimum installment of €50/month below €900. The Classica version costs €44/year on the Visa network with a €1,600 limit; the Oro costs €70/year on the Mastercard network with a limit up to €5,200, but requires a salary or pension credited to the account. It charges 1.75% on foreign-currency spending, 4% on cash advances and no cashback. The revolving APR is high: 23.18% on Classica and 18.47% on Oro.
Data & conditions
| Network | Visa/Mastercard |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| APR | 23.18% (fixed) |
| Credit limit | €1,600–€5,200 |
| Issuing bank | Poste Italiane S.p.A. (BancoPosta) |
| Issuance fee | Free |
| Annual fee | €44/year |
| ATM withdrawal | 4% |
| FX markup | 1.75% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | No |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Poste Italiane · carta di credito distribuita negli uffici postali (Visa/Mastercard) |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Poste Italiane · credit card distributed through post offices (Visa/Mastercard) |
| MiCA / License status | BancoPosta / Poste Italiane S.p.A. (attività bancaria, vigilanza Banca d'Italia) BancoPosta / Poste Italiane S.p.A. (supervised by the Bank of Italy) |
Plans & pricing
BancoPosta Classica
- Annual price
- €44
- FX markup
- 1.75%
- ATM fee
- 4%
- Annual price
- €44
- €44/year fee (additional card €25)
- Visa network · €1,600 limit
- Pay in full (up to ~40 interest-free days) or installments/revolving
- Revolving TAN 13.92% / APR 23.18%
- FX 1.75% · cash advance 4% · requires BancoPosta account
€44 annual fee. FX: Visa rate + 1.75 percentage points. Cash advance: 4% per operation at ATMs and branches. The card is issued by Deutsche Bank and distributed by Poste Italiane.
BancoPosta Oro
- Annual price
- €70
- FX markup
- 1.75%
- ATM fee
- 4%
- Annual price
- €70
- €70/year fee (additional card €35)
- Mastercard network · limit up to €5,200
- Revolving TAN 13.92% / APR 18.47%
- Requires salary/pension credited to the account
- Extended insurance coverage
€70 annual fee. FX: Visa rate + 1.75 percentage points. Cash advance: 4% per operation at ATMs and branches. The card is issued by Deutsche Bank and distributed by Poste Italiane.
Strengths
- Widespread distribution through post offices and a high-trust brand
- Option card: up to ~40 interest-free days if you repay in full
- Oro with a limit up to €5,200 and extended insurance coverage
- 1.75% FX fee on foreign-currency spending
- No notable sovereignty advantage documented.
Weaknesses
- High revolving APR: 23.18% on Classica, 18.47% on Oro
- No cashback; fee €44 (Classica) / €70 (Oro) with no economic perks
- Oro requires a mandatory salary or pension credited to the account
- Expensive cash advances (4%); reserved for BancoPosta account holders
- 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 (BancoPosta / Poste Italiane S.p.A. (supervised by the Bank of Italy)): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
The BancoPosta credit card is convenient for its post-office distribution and brand, but economically it is an average card with no advantages: no cashback, a €44–€70 fee and, above all, a high revolving APR (up to 23.18% on Classica). It is fine if you always repay in full, much less so if you use installments. The salary/pension-credit requirement on the Oro is unusual and limits choice. A mid-low rating: a correct tool but expensive to use in installments.
A credit card is a credit line, not custody of funds: there is neither self-custody nor a user balance. It remains a fully tracked and censorable instrument — full KYC, a BancoPosta/Poste Italiane issuer (a supervised entity) that profiles transactions and can suspend the line 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 BancoPosta — Carta di Credito, 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 ↗
4.6/5
695,120 reviews
"Poste Italiane" app (com.posteitaliane.spim) on Google Play IT. Exact count from the page's JSON-LD structured data: ratingValue 4.576118 and ratingCount 695,120; the visible label is rounded and the per-star counts shown on the page do not add up to the structured total. The packages of the former standalone "BancoPosta" and "PostePay" apps return 404. It covers the app as a whole, postal services included, not the credit card alone.
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App Store ↗
4.7/5
494,272 reviews
"Poste Italiane" app (ID 781421802) on the Italian storefront. Exact figure from the iTunes Lookup endpoint: averageUserRating 4.64763 across 494,272 ratings. As of 31 July 2026 there is no standalone "BancoPosta" app: its features have been folded into the single Poste Italiane app. The score therefore covers the app as a whole — account, cards, savings and postal services too — not the BancoPosta credit card alone.
Weighted average across 2 public review platforms (1,189,392 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
How much does the BancoPosta credit card cost?
Classica costs €44/year (Visa network, €1,600 limit); Oro costs €70/year (Mastercard network, limit up to €5,200). The additional card costs €25 (Classica) or €35 (Oro).
What rates apply if I pay in installments?
In revolving mode the TAN is 13.92% with an APR of 23.18% on Classica and 18.47% on Oro. If you repay in full by the following month you pay no interest.
Are there special requirements for the Oro?
Yes: the Oro version requires a salary or pension credited to the BancoPosta account. Both versions require you to hold a BancoPosta account.
Sources
- Official service page Prezzo annuale eur Data verified on Jul 22, 2026
- media.poste.it Prezzo annuale eur · FX markup · ATM fees Data verified on Jul 22, 2026
Update history
- Costs added from the SECCI (June 2025 ed.): €44 (Classica) / €70 (Oro) annual fee, FX at Visa rate + 1.75 points, 4% cash advance. These fields previously showed as free.