Intesa Sanpaolo — Carta Superflash Carta Superflash
A plan byIntesa Sanpaolo — Carta Superflash · Mastercard
Carta Superflash is Intesa Sanpaolo's reloadable prepaid card with an IBAN, on the Mastercard network. It is still marketed in 2026 (live product page, updated Information Sheet no. 272) and sits alongside the bank's XME family (the XME Debit Card is the debit card on XME Conto; Superflash is the prepaid-with-IBAN). The IBAN supports SEPA transfers and direct debits. The fee is high for the segment: €26.90/year. Being e-money it is NOT covered by the FITD: funds are protected through safeguarding (segregation), not by the up-to-€100,000 deposit guarantee. Foreign-currency payments carry a 2% fee (minimum €0.50), plus the Mastercard network fee.
Carta Superflash
- Price
- €2
What's included
- Mastercard network, contactless, IBAN
- €26.90/year fee · issuance included
- ISP ATM withdrawals/top-ups €0 · other banks €2 (SEPA), €5 (abroad) · max €500/day
- FX 2% (min €0.50) + Mastercard fee · max balance €10,000
Data & conditions
| Network | Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | €27/year |
| Free ATM limit | Intesa Sanpaolo ATMs €0; other SEPA banks €2; extra-SEPA €5; max €500/day |
| ATM withdrawal | Free |
| FX markup | 2% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | No |
| KYC | Full |
| Privacy | 3/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Prepagata con IBAN di Intesa Sanpaolo, prima banca italiana · affianca la famiglia XME |
| Regulator | Banca d'Italia · BCE (MVU) |
| Segment | B2C |
| Funding / solidity | Prepaid card with IBAN from Intesa Sanpaolo, Italy's largest bank · alongside the XME family |
| MiCA / License status | Licenza bancaria (Albo Banche n. 5361) Prepaid e-money card on IT banking licence (Bank of Italy) |
Strengths
- Prepaid with IBAN from a leading issuer: SEPA transfers and direct debits
- Free withdrawals and top-ups at Intesa Sanpaolo ATMs, contactless and mobile payments
- Still active in 2026 (updated Information Sheet no. 272), contrary to the belief that it was discontinued
- Full app management, wide Group branch and ATM network
- No notable sovereignty advantage documented.
Weaknesses
- High fee for a prepaid card: €26.90/year
- E-money: no FITD coverage, only fund safeguarding (no €100,000 deposit guarantee)
- 2% FX fee (min €0.50) on top of the Mastercard fee; other-bank withdrawals €2 (SEPA) / €5 (abroad); no cashback; €10,000 max balance
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Prepaid e-money 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
Carta Superflash is a prepaid card with an IBAN from a leading issuer, still on catalogue in 2026, with free withdrawals and top-ups at Group ATMs. The real limit is cost: a €26.90/year fee is high for a prepaid card, on top of 2% FX and no cashback. Like all prepaid cards it is e-money, so without FITD guarantee up to €100,000, only fund safeguarding. Rating 3.1/C: a solid, reliable product, but penalised by its high fee versus free (or near-free) prepaid cards with IBAN.
Prepaid e-money on an Italian banking licence: custodial, full KYC, every operation 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 — Carta Superflash, 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
-
Google Play ↗
4.5/5
1,007,961 reviews
Ratings for the “Intesa Sanpaolo Mobile” app (Italian store), NOT for the Superflash card. The count is the exact sum of the rating histogram on the page (5★ 722,722 · 4★ 168,918 · 3★ 46,195 · 2★ 16,268 · 1★ 53,858); the resulting weighted average is 4.48, consistent with the rounded 4.5 shown by the store.
-
App Store ↗
4.6/5
769,880 reviews
Ratings for the “Intesa Sanpaolo Mobile” app (Italian storefront), NOT for the Superflash card: they measure the banking app experience, not the card product. Exact figure from Apple's lookup API.
Weighted average across 2 public review platforms (1,777,841 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
How much does Carta Superflash cost?
The fee is €26.90/year. Withdrawals and top-ups at Intesa Sanpaolo ATMs are free; foreign-currency purchases carry a 2% fee (minimum €0.50) plus the Mastercard network fee. There is no cashback.
Are funds on Carta Superflash protected by the FITD?
No. Carta Superflash is e-money, not a deposit account: it is not covered by the Italian Interbank Deposit Protection Fund (FITD) up to €100,000. Funds are protected via safeguarding (segregation) at the bank, a different mechanism from the deposit guarantee.
Sources
- Official service page IBAN · Ricarica Data verified on Jul 12, 2026