BPER Banca — Carta di Credito Prime / Premium
BPER Banca S.p.A. · Mastercard
BPER Prime and Premium credit cards are bank charge cards (with an optional instalment mode) on the Mastercard network, available to account holders of BPER Banca, one of Italy's main banking groups. Prime carries a €40/year fee (plus a €40 issuance fee), Premium €90/year (often with a free first-year promo). They are charge cards: the debit occurs about 13 days after the statement, interest-free if you settle in full. No structural cashback. On non-euro purchases the bank's commission is 1.50%, on top of which a network conversion cost of up to 0.84% applies (a combined charge that can reach about 2.34%); cash withdrawals cost 4% with a €3 minimum. The instalment-option APR is not stated unambiguously on the product page and must be read in the official information sheet.
Data & conditions
| Network | Mastercard |
|---|---|
| Card type | Charge |
| Backing | Unsecured |
| APR | Charge (pay in full) |
| Issuing bank | BPER Banca |
| Issuance fee | €40 |
| Annual fee | €40/year |
| ATM withdrawal | 4% |
| FX markup | 1.5% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Gruppo bancario italiano · carte di credito a saldo Mastercard per correntisti |
| Regulator | Banca d'Italia / BCE |
| Segment | B2C |
| Funding / solidity | Italian banking group · Mastercard charge credit cards for account holders |
| MiCA / License status | Banca (BPER Banca S.p.A. — vigilanza Banca d'Italia / BCE) Italian bank (BPER Banca) — supervised by Banca d'Italia / ECB |
Plans & pricing
Carta Prime
- Annual price
- €60
- Issuance fee
- €60
- FX markup
- 1.5%
- ATM fee
- 4%
- ATM limit
- Anticipo contante 4%, min €3
- €60/year fee (€60 issuance, per the 09/04/2025 fee sheet)
- Mastercard charge card with instalment option
- FX 1.50% + conversion up to 0.84% (up to ~2.34%)
- Cash advance 4% (min €3)
- Reserved for BPER account holders
€60 issuance, €60/year from year two. FX: 1.50% + the network's conversion up to 0.84% (up to ~2.34% total). Cash advance: 4% with a €3 minimum.
Carta Premium
- Annual price
- €90
- Issuance fee
- €90
- FX markup
- 1.5%
- ATM fee
- 3%
- ATM limit
- Anticipo contante 3%, min €3
- €90/year fee (free first year on app/online-advisor promo)
- Higher limits than Prime
- FX 1.50% + conversion up to 0.84% (up to ~2.34%)
- Cash advance 4% (min €3)
- Reserved for BPER account holders
€90 issuance, €90/year fee. FX: 1.50% + network conversion up to 0.84%. Cash advance: 3% with a €3 minimum.
Strengths
- Solid issuer: BPER Banca, a group supervised by Banca d'Italia / ECB
- Charge card: no interest if you pay the full balance at the due date
- Premium often on promo with a free first year
- Mastercard network, widely accepted in Italy and abroad
- No notable sovereignty advantage documented.
Weaknesses
- Opaque foreign cost: 1.50% commission plus a conversion cost up to 0.84% (up to ~2.34% combined)
- Reserved for BPER account holders: the account comes first
- No cashback or perks to justify the fee, which is high on Premium (€90/year)
- Expensive cash withdrawals (4%, €3 minimum) and no published instalment APR on the page
- 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 (Italian bank (BPER Banca) — supervised by Banca d'Italia / ECB): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
BPER Prime and Premium are correct bank products but with no cost advantage: mid-to-high fees (€40 and €90/year), no cashback and an opaque foreign cost where a 1.50% commission is joined by a conversion cost up to 0.84%. The requirement to be a BPER account holder and the 4% withdrawals complete an uncompetitive profile versus zero-fee cards. Premium at €90/year is hard to justify without dedicated perks. Low rating: honest but expensive.
A credit card is a payment line, not custody of funds: there is neither self-custody nor a user balance here. It is a fully tracked and censorable instrument — full KYC, an issuer (BPER Banca) that profiles transactions and can suspend the line or close the relationship. 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 BPER Banca — Carta di Credito Prime / Premium, 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
-
App Store ↗
4.7/5
184,114 reviews
"BPER" app (ID 554965344, published by Bper Banca Spa) on the Italian storefront. Exact figure from the iTunes Lookup endpoint: averageUserRating 4.6548 across 184,114 ratings. The group's other apps (Smart CBI, B:Digital Corporate, BPER Trading) are excluded: they score far lower but do not concern the card's retail customers. The score covers the mobile banking app as a whole, not the Prime/Premium card alone.
-
Google Play ↗
4.6/5
181,848 reviews
"BPER" app (it.gruppobper.ams.android.bper) on Google Play IT. Exact count from the page's JSON-LD structured data: ratingValue 4.601613 and ratingCount 181,848; the visible label is rounded. It covers the mobile banking app as a whole, not the Prime/Premium card alone.
Weighted average across 2 public review platforms (365,962 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
How much does the BPER credit card cost?
Prime carries a €40/year fee (plus €40 issuance), Premium €90/year (often free the first year on promo). Both are reserved for BPER account holders.
What fees apply to foreign-currency spending?
The bank's commission is 1.50%, plus a network conversion cost of up to 0.84%, for a combined charge that can reach about 2.34%. Cash withdrawals cost 4% (€3 minimum).
Sources
- Official service page Prezzo annuale eur · Card issuance fee · FX markup · ATM fees Data verified on Jul 22, 2026
Update history
- Prime costs updated from the fee sheet (upd. 09/04/2025): €60 issuance and €60/year fee (the card previously showed €40). Added for both: 1.50% FX (+ network conversion up to 0.84%) and cash advance 4% Prime / 3% Premium, min €3.