Carta YOU — Advanzia Bank vs Webank Cartimpronta
For spending abroad FX markup matters, and Carta YOU — Advanzia Bank does better (0% vs 1.5%). Neither wins across the board: weigh the points above against your use case before choosing between Carta YOU — Advanzia Bank and Webank Cartimpronta.
| Carta YOU — Advanzia Bank | Webank Cartimpronta | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.0 | ★ 3.7 |
| Network | Mastercard | Visa / Mastercard |
| Card type | Revolving credit | Charge |
| Backing | Unsecured | Unsecured |
| APR | 24.15% (variable) | Charge (pay in full) |
| Issuing bank | Advanzia Bank S.A. (Lussemburgo) | Banco BPM (Webank) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | ATM withdrawals (Italy and abroad) 4% of the amount, minimum €3 per transaction, with interest from the booking date (no grace period) | — |
| ATM withdrawal | 4% | Free |
| FX markup | 0% | 1.5% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Banca lussemburghese specializzata in carte di credito · Mastercard Gold senza canone | Banca digitale italiana (gruppo Banco BPM) · carta di credito a canone zero |
| Regulator | CSSF (Lussemburgo) · operatività in Italia | Banca d'Italia (vigilanza bancaria) / BCE |
| Segment | B2C | B2C |
| Credit limit | — | €7,800 |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Banca lussemburghese (vigilanza CSSF) · emissione carte di credito | Banca (Banco BPM S.p.A. — marchio Webank, vigilanza Banca d'Italia / BCE) |
Frequently asked questions
Carta YOU — Advanzia Bank vs Webank Cartimpronta: which is better?
For spending abroad FX markup matters, and Carta YOU — Advanzia Bank does better (0% vs 1.5%). Neither wins across the board: weigh the points above against your use case before choosing between Carta YOU — Advanzia Bank and Webank Cartimpronta.
Is Carta YOU — Advanzia Bank custodial or self-custody?
Carta YOU — Advanzia Bank is self-custody: you keep the keys, while Webank Cartimpronta is self-custody.
Which is better for spending abroad?
For foreign-currency spending Carta YOU — Advanzia Bank wins, with the lowest FX markup: 0%.