Findomestic — Carta Nova Carta Nova
A plan byFindomestic — Carta Nova · Mastercard
Carta Nova is the revolving (optional) credit card of Findomestic Banca, the consumer-finance arm of the BNP Paribas group, on the Mastercard network. It differs from its sister Carta Aura: here the model is 'pay only if you use it'. There is no fixed annual fee; a €3.99 instalment-repayment charge applies only in months with a scheduled instalment repayment (up to about €47.88/year if used in instalments every month). The credit line goes up to €3,000 and purchases above €100 can be spread over 3/6/9/12 months. The cost of credit is typical of revolving: 15.36% fixed nominal rate and 21.42% APR (representative example). Foreign-currency purchases carry a 1.50% commission; there are no ATM-withdrawal or card/PIN-issuance fees. It can be applied for online by anyone with demonstrable income, with no Findomestic account required.
Carta Nova
- Annual price
- Free
What's included
- No annual fee; €3.99/month only in months with instalment repayment
- Credit line up to €3,000; purchases >€100 spreadable over 3/6/9/12 months
- Mastercard network · FX 1.50%
- Revolving: 15.36% fixed rate · 21.42% APR (representative example)
- No fees on ATM withdrawals or card/PIN issuance
Data & conditions
| Network | Mastercard |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| APR | 21.42% (fixed) |
| Credit limit | €3,000 |
| Issuing bank | Findomestic Banca |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | Free |
| FX markup | 1.5% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Finanziaria del gruppo BNP Paribas · carta di credito revolving 'paghi solo se la usi' |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Consumer-finance arm of the BNP Paribas group · 'pay only if you use it' revolving credit card |
| MiCA / License status | Banca (Findomestic Banca S.p.A., gruppo BNP Paribas Personal Finance — vigilanza Banca d'Italia) Italian bank (Findomestic Banca, BNP Paribas group) — supervised by Banca d'Italia |
Strengths
- No fixed annual fee: you pay (€3.99) only in months with instalment repayment
- 1.50% foreign-currency commission, among the lowest on the market
- No fees on ATM withdrawals or card/PIN issuance
- Can be applied for online with no Findomestic account required
- No notable sovereignty advantage documented.
Weaknesses
- It is a revolving card: 15.36% fixed rate and 21.42% APR, high cost of credit if you spread payments
- The €3.99/month charge in usage months can reach ~€47.88/year if used in instalments every month
- Limited credit line (up to €3,000)
- No cashback or perks: a tool for deferral, not for saving
- 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 (Findomestic Banca, BNP Paribas group) — supervised by Banca d'Italia): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
Carta Nova has a cost model that is rare in Italy — 'pay only if you use it', with no fixed annual fee — and a low foreign-currency commission (1.50%): appealing for those who want a credit card to keep idle and use rarely. The flip side is its revolving nature: if you spread payments, the 21.42% APR makes credit expensive, and the €3.99/month charge in usage months erodes the zero-fee advantage. No cashback and a modest limit (€3,000). Below-average rating: flexible cost structure but costly instalment credit, best used at full settlement to avoid interest.
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 (Findomestic, BNP Paribas group) 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.
FAQ
How much does Findomestic's Carta Nova cost?
It has no annual fee: a €3.99 instalment-repayment charge applies only in months with a scheduled instalment repayment. There are no fees on ATM withdrawals or card/PIN issuance.
How much does the credit and foreign spending cost?
It is a revolving card with a 15.36% fixed nominal rate and a 21.42% APR (representative example). Foreign-currency purchases carry a 1.50% commission.
Sources
- Official service page Data verified on Jul 12, 2026