Intesa Sanpaolo — XME Debit Card XME Debit Card
A plan byIntesa Sanpaolo — XME Debit Card · Mastercard/Visa (+ BANCOMAT)
The XME Debit Card is Intesa Sanpaolo's international debit card tied to the XME Conto: dual international network (Mastercard or Visa) plus BANCOMAT, contactless and mobile payments. €1.50/month fee, free withdrawals at Group ATMs and direct debit on the account (no credit line). The 2% FX fee makes it less suited to frequent foreign-currency spenders.
XME Debit Card
- Price
- €2
What's included
- Mastercard or Visa + BANCOMAT networks, contactless
- Digital and standard physical card €0 (personalised €10)
- Group ATM withdrawals €0 · other banks €2
- FX 2% (min €0.50) · direct debit on XME Conto
Data & conditions
| Network | Mastercard/Visa (+ BANCOMAT) |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | €18/year |
| Free ATM limit | Intesa Sanpaolo Group ATMs €0; other bank (SEPA and extra-SEPA) €2 |
| ATM withdrawal | Free |
| FX markup | 2% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 3/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Carta di debito di Intesa Sanpaolo, prima banca italiana · legata a XME Conto |
| Regulator | Banca d'Italia · BCE (MVU) |
| Segment | B2C |
| Funding / solidity | Intesa Sanpaolo debit card, Italy's largest bank · tied to XME Conto |
| MiCA / License status | Licenza bancaria (Albo Banche n. 5361) Debit card on IT banking licence (Bank of Italy) |
Strengths
- Low fee (€1.50/month) with dual international network Mastercard/Visa + BANCOMAT
- Free withdrawals at Intesa Sanpaolo Group ATMs, contactless and mobile payments
- Debit card: controlled spending, funds on the account (FITD protection on the account, no credit risk)
- Top acceptance and full app management from a leading Italian issuer
- No notable sovereignty advantage documented.
Weaknesses
- 2% FX fee (minimum €0.50) on foreign-currency purchases
- No native cashback or points programme on the card
- Withdrawals at other banks €2 and personalised physical card paid (€10)
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Debit card on IT banking licence (Bank of Italy)): 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
The XME Debit Card is a solid, low-fee debit card from a leading issuer: dual Mastercard/Visa network, free withdrawals at Group ATMs and funds on the FITD-protected account. On the protection front the limit is the 2% FX fee and the lack of cashback, which make it average versus fee-free cards for foreign-currency spending.
Debit card on a supervised bank account: custodial, full KYC, every purchase tracked and the card suspendable or blockable by the bank on court order or for AML. 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 Intesa Sanpaolo — XME Debit Card, 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 ↗
4.6/5
769,882 reviews
"Intesa Sanpaolo Mobile" app (id 597360475), Italian storefront, exact figure from the iTunes Lookup API. It is the bank's overall app (accounts, cards, transfers), not a rating of the XME Debit Card alone.
Weighted average across 1 public review platform (769,882 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
How much does the XME Debit Card cost?
The fee is €1.50/month (€18/year). The digital and standard physical cards are free; the personalised version costs €10.
Is it a credit card?
No, it is a debit card: amounts are charged directly to your XME Conto, there is no credit line. Funds stay on the account, protected by the FITD up to €100,000.
Sources
- Official service page Canone · Emissione · Prelievi · Circuiti Data verified on Jul 12, 2026