Carta Kje@ns — Prepagata con IBAN (Webank / Banco BPM)
Banco BPM S.p.A. (canale Webank) · Mastercard
The Carta Kje@ns is Banco BPM's reloadable prepaid card with an Italian IBAN, heir to the historic Carta Jeans, bought online through the Webank channel. With a personal IBAN it can receive transfers and real-time top-ups, up to a 3,000 € cap, on the Mastercard network and with contactless. Cost is low: a one-off 4.95 € issuance, no periodic fee (only a 4.95 € renewal cost at card expiry), free withdrawals at Banco BPM Group ATMs (2 € at other euro-area banks) and a 2% markup on foreign-currency purchases. It is issued under Banco BPM's banking licence: as a prepaid card (e-money) the funds do not carry the FITD deposit guarantee but are protected through safeguarding.
Data & conditions
| Network | Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €5 |
| Annual fee | Free |
| Free ATM limit | Banco BPM Group ATMs 0 €; other euro-area banks 2 €; non-euro area 3 € |
| ATM withdrawal | Free |
| FX markup | 2% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | No |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Prepagata con IBAN di Banco BPM, erede della Carta Jeans, collocata online da Webank |
| Regulator | Banca d'Italia · BCE (MVU) |
| Segment | B2C |
| Funding / solidity | Banco BPM prepaid card with IBAN, heir to Carta Jeans, sold online via Webank |
| MiCA / License status | Licenza bancaria — Banco BPM S.p.A. (Albo Banche), carta collocata online dal canale Webank Prepaid card on an IT banking licence (Bank of Italy) — Webank channel |
Plans & pricing
Strengths
- Italian personal IBAN: receives transfers and real-time top-ups (3,000 € cap)
- Low cost: 4.95 € issuance, no periodic fee
- Free withdrawals at Banco BPM Group ATMs, Mastercard network and contactless
- Leading bank issuer (Banco BPM), online management via Webank
- No notable sovereignty advantage documented.
Weaknesses
- Balance capped at 3,000 €: it does not replace a full current account
- 4.95 € renewal cost at card expiry and paid top-ups on some channels (cash 3 €)
- 2% markup on foreign-currency purchases; no native cashback
- E-money: no FITD deposit guarantee (safeguarding)
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Prepaid card on an IT banking licence (Bank of Italy) — Webank channel): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
- Closed source: no way to verify what it does with wallet and data.
Verdict
Good score (3.4/B). The Kje@ns is a well-made bank prepaid card: an Italian personal IBAN, cheap issuance (4.95 €), no periodic fee and free withdrawals at Banco BPM Group ATMs. It is the right tool for anyone wanting a low-cost Italian IBAN for transfers and controlled spending. What keeps it out of the A band is the 3,000 € cap, the renewal cost at expiry and the 2% FX markup; like all prepaid cards it is e-money, hence without the FITD guarantee.
Prepaid card on an Italian banking licence: custodial, full KYC, every transaction tracked and the card suspendable or blockable by the bank for AML or on court order. No anonymity, no permissionless use. On the sovereignty lens it is the opposite of a self-custody tool.
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 Carta Kje@ns — Prepagata con IBAN (Webank / Banco BPM), and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
Google Play ↗
4.6/5
16,388 reviews
"Webank - Conto online" app (com.opentecheng.android.webank). Score and count from the page's structured data. Covers the banking app as a whole, not the Kje@ns card itself.
-
App Store ↗
4.6/5
6,365 reviews
"Webank – Conto online" app (Banco BPM, id 306283651): covers the account, cards and other Webank services, not the Kje@ns card alone.
Weighted average across 2 public review platforms (22,753 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
How much does the Carta Kje@ns cost?
A one-off 4.95 € issuance, no periodic fee. A 4.95 € renewal cost applies at card expiry. Withdrawals are free at Banco BPM Group ATMs (2 € at other euro-area banks) and a bank-transfer top-up costs 1 €.
Does the Carta Kje@ns have an IBAN?
Yes, it has an Italian personal IBAN: it can receive transfers and real-time top-ups, with a 3,000 € cap. It is a prepaid card, not a full current account.
Are funds on the Kje@ns covered by the FITD?
No. Although issued by Banco BPM, the Kje@ns is a prepaid card (e-money): funds are protected through safeguarding and are not covered by the up-to-100,000 € FITD deposit guarantee.
Sources
- Official service page Data verified on Jul 12, 2026