Webank Cartimpronta
Banco BPM S.p.A. (Webank) · Visa / Mastercard
Cartimpronta ONE is one of the very few Italian bank credit cards that is genuinely free forever and with no conditions: you get it by opening the free Webank account, the digital bank of the Banco BPM group. It is a charge card (monthly settlement, no revolving) on the Visa or Mastercard network, with an indicative credit limit of €500–7,800. Non-euro purchases carry a 1.50% markup (plus any network fee), among the lowest on the market. The higher Gold Plus version costs €49/year with a bigger limit. No structural cashback, but the zero fee makes it one of the cheapest credit cards in Italy.
Data & conditions
| Network | Visa / Mastercard |
|---|---|
| Card type | Charge |
| Backing | Unsecured |
| APR | Charge (pay in full) |
| Credit limit | €7,800 |
| Issuing bank | Banco BPM (Webank) |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | Free |
| FX markup | 1.5% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Banca digitale italiana (gruppo Banco BPM) · carta di credito a canone zero |
| Regulator | Banca d'Italia (vigilanza bancaria) / BCE |
| Segment | B2C |
| Funding / solidity | Italian digital bank (Banco BPM group) · zero-fee credit card |
| MiCA / License status | Banca (Banco BPM S.p.A. — marchio Webank, vigilanza Banca d'Italia / BCE) Supervised bank (Banco BPM / Webank, Bank of Italy / ECB) |
Plans & pricing
Cartimpronta ONE
- Annual price
- Free
- Zero fee forever, no conditions
- Visa or Mastercard, charge card
- 1.50% foreign-currency markup
- Indicative limit €500–7,800
- Requires a Webank account (free)
Cartimpronta Gold Plus
- Annual price
- €49
- Higher limit (indicative €5,200–30,000)
- Fee waivable with annual spending ≥€9,000
- Visa network · 1.50% FX markup
Strengths
- Free forever with no conditions: extremely rare for a bank credit card
- 1.50% foreign-currency markup, among the lowest of Italian credit cards
- Visa or Mastercard network, widely accepted everywhere
- Charge card (no revolving): no interest if you pay at month-end
- No notable sovereignty advantage documented.
Weaknesses
- Requires opening a Webank account: not available on its own
- No cashback or points programme on spending
- Modest initial credit limit (indicatively €500–7,800)
- The Gold Plus (€49) waives the fee only with annual spending ≥€9,000
- 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 / Webank, Bank of Italy / ECB)): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
The Cartimpronta ONE is a positive anomaly on the Italian scene: a bank credit card that is genuinely free forever, with no spending requirement and a 1.50% FX markup among the lowest around. Being a charge card, there is no expensive-revolving risk. The only caveats: it needs the Webank account, there is no cashback and the initial limit is modest. On pure cost it is one of the best choices on the market: rating 3.7/B, rewarding transparency and a real zero fee.
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 Banco BPM/Webank 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
Is the Cartimpronta ONE really free?
Yes: the Cartimpronta ONE has a zero fee forever with no spending conditions; you only need to open the Webank account (also free). The Gold Plus version instead costs €49/year, waivable with annual spending of at least €9,000. Always check the terms on the current summary document.
What fees apply to spending abroad?
On non-euro purchases Webank applies a 1.50% markup on the exchange rate (plus any variable Visa/Mastercard network fee, up to 1%). Cash withdrawals start from €3. It is a charge card, so there is no instalment APR.
Sources
- Official service page Data verified on Jul 12, 2026