Banco BPM — Numia Credit Classic Numia Credit Classic
A plan byBanco BPM — Numia Credit Classic · Visa / Mastercard
Numia Credit Classic is Banco BPM's credit card, issued by Numia S.p.A. — the group's payments joint venture, a recently introduced brand — and distributed to Banco BPM account holders (often paired with the Conto You). It is a charge card on the Mastercard or Visa network, with a limit of up to €5,200. It applies no fee on euro payments abroad, but on purchases in a currency other than the euro the fee sheet states a 3% markup, among the highest in the segment. The list fee is €50/year, with an issuance fee also of €50 on the Classic; a promotion is running that cuts the fee to €35 for applications by 30 September 2026. It requires a Banco BPM account.
Numia Credit Classic
- Price
- Free
What's included
- €50/year fee (promo €35 until 30/09/2026)
- €50 issuance fee (per the fee sheet)
- Mastercard or Visa network · limit up to €5,200
- No fee on euro payments abroad
- FX 3% on non-euro currencies · cash advance 4% (min €3)
- Requires a Banco BPM account
Data & conditions
| Network | Visa / Mastercard |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| Credit limit | €5,200 |
| Issuing bank | Numia S.p.A. (collocata da Banco BPM) |
| Issuance fee | €50 |
| Annual fee | Free |
| ATM withdrawal | 4% |
| FX markup | 3% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Terzo gruppo bancario italiano · carte di credito del brand pagamenti Numia |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Italy's third banking group · credit cards under the Numia payments brand |
| MiCA / License status | Banca (Banco BPM S.p.A.)Carta emessa da Numia S.p.A. e collocata da Banco BPM Supervised bank (Banco BPM) · cards issued by Numia S.p.A. |
Strengths
- No fee on euro payments abroad (no markup within the euro area)
- Choice of international network (Mastercard or Visa), limit up to €5,200
- Promotional fee cut to €35 for applications by 30 September 2026
- Charge card from a large bank, with the Numia app and payment services
- No notable sovereignty advantage documented.
Weaknesses
- 3% currency markup on non-euro currencies: among the most expensive in the segment
- On the Classic, besides the €50/year fee, the fee sheet sets a €50 issuance fee
- Requires a Banco BPM account: cannot be opened on its own
- No cashback or points program; the "Numia" brand is still little known
- 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 (Banco BPM) · cards issued by Numia S.p.A.): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
A bank credit card with above-average costs: on the Classic the fee sheet adds a €50/year fee and a €50 issuance fee, and the 3% currency markup is among the highest in the segment. The upside is the absence of fees on euro payments abroad and the promo taking the fee to €35 by 30 September 2026; otherwise it is expensive and cashback-free versus zero-fee bank credit cards. Low rating in the category for the combination of fee + issuance + high FX.
A credit card is a credit line, not custody of funds: no self-custody, no user balance. A fully tracked and censorable instrument — full KYC, issuer Numia S.p.A. and distributing bank Banco BPM profiling transactions and able to suspend the line. 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 Numia Credit Classic cost?
Per the fee sheet (no. 4 dated 08/07/2026) the Classic has a €50/year card fee and a €50 issuance fee. A promotion is running that cuts the fee to €35 for applications by 30 September 2026; the actually applied terms are in the contract summary document.
What fees apply to spending abroad?
On euro payments abroad there are no bank fees. On purchases in a currency other than the euro a 3% markup applies to the exchange rate; ATM cash advances cost 4% (minimum €3 in the Euro area, €5 outside it).
Sources
- Official service page Data verified on Jul 12, 2026
- numia.com Data verified on Jul 12, 2026