Fineco Card Credit Card Credit monofunzione
A plan byFineco Card Credit · Visa / Mastercard
The Fineco Card Credit is FinecoBank's account-linked credit card, available on the Visa or Mastercard network and reserved to Fineco current-account holders. It works as a charge card (single end-of-month settlement) with an option to spread purchases into instalments. The fee is €19.95/year for the single-function version and €29.95/year for the multi-function one (free for Max account holders); a quirk is the pro-rata rebate of the fee in the months you activate an instalment plan. No cashback or points programme. Non-euro purchases carry a 2% FX fee.
Card Credit monofunzione
- Annual price
- €20
What's included
- Visa or Mastercard, charge card with instalment option
- 2% FX on foreign-currency spending
- Instalments: 10.42% APR (12 months)
- Pro-rata fee rebate if you use instalments
- Requires a FinecoBank account
Data & conditions
| Network | Visa / Mastercard |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| APR | 10.42% (variable) |
| Issuing bank | FinecoBank |
| Issuance fee | Free |
| Annual fee | €20/year |
| ATM withdrawal | Free |
| FX markup | 2% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Banca diretta italiana quotata (gruppo FinecoBank) · carta di credito da conto |
| Regulator | Banca d'Italia (vigilanza bancaria) / BCE |
| Segment | B2C |
| Funding / solidity | Listed Italian direct bank (FinecoBank group) · account-linked credit card |
| MiCA / License status | Banca (FinecoBank S.p.A., vigilanza Banca d'Italia / BCE) Supervised bank (FinecoBank, Bank of Italy / ECB) |
Strengths
- Low fee: €19.95/year (single) or €29.95/year (multi-function), free with the Max account
- 2% FX fee, below the average of Italian bank credit cards
- Instalment option with a 10.42% APR (12 months), among the lowest in the segment
- Pro-rata rebate of the fee in the months you use an instalment plan
- No notable sovereignty advantage documented.
Weaknesses
- Requires a FinecoBank current account: not available on its own
- No cashback or points programme on spending
- The fee rebate is tied to using instalment credit (more expensive than paying in full)
- Network and credit limit depend on the account holder's profile
- 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 (Supervised bank (FinecoBank, Bank of Italy / ECB)): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
An honest, low-cost bank credit card: a modest fee (€19.95–29.95, free with the Max account), 2% FX below average and a 10.42% instalment APR among the lowest in Italy. It offers no reward, though (no cashback or points) and is tied to the Fineco account, so it is not a standalone "must-have" card. The rating stays average (3.2/C): no notable hidden costs, but no standout perks either.
A credit card is a credit 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, a FinecoBank issuer (a supervised Italian bank) 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 the Fineco Card Credit cost?
The annual fee is €19.95 for the single-function version and €29.95 for the multi-function one; it is free for Max account holders. If you activate an instalment plan, that month's fee is rebated pro-rata. Always check the exact amount on the current Information Sheet.
What fees apply abroad and if I pay in instalments?
Non-euro purchases carry a 2% fee. If you spread purchases into instalments, the Information Sheet quotes a 10.42% APR over 12 months.
Sources
- Official service page Data verified on Jul 12, 2026
- finecobank.com Data verified on Jul 12, 2026