BPER Banca — Prestito Personale Online
BPER Banca S.p.A.
BPER Banca's online personal loan waives the origination fee (otherwise 1%) if applied for via app or online advisors. In the promo (valid June–July 2026) on €20,000/96 months the nominal rate is 7.95% and the APR 8.48%. On smaller amounts/terms the APR rises (€10,000/72 months: 9.13% APR). Recurring fees: €1.75 per-instalment collection and stamp duties. The Arca My Credit Protection insurance is optional. Amounts up to €75,000.
Data & conditions
| Representative-example APR | 8.48% (€20,000 · 96 months · instalment €282) |
|---|---|
| Min advertised nominal rate | 7.95% |
| Usury threshold | 18.6% (Credito personale, 3° trim. 2026) — APR sits at 46% |
| Loan amount | — – €75,000 |
| Lender | Bank (direct lender) |
| Mandatory insurance | No |
| Insurance included in APR | No |
| Reported to credit bureaus (CRIF) | Yes |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia / BCE |
| Segment | B2C |
| Funding / solidity | Gruppo BPER |
| MiCA / License status | Banca (Albo delle Banche, Banca d'Italia) |
Strengths
- Origination waived if applied for online (otherwise 1%)
- Lower APR on larger amounts/terms (8.48% on €20,000/96m)
- Optional insurance; amounts up to €75,000
- No notable sovereignty advantage documented.
Weaknesses
- On small amounts the APR rises (9.13% on €10,000/72 months)
- €1.75 per-instalment collection + stamp duties: small recurring fees
- The 7.95% is a time-limited promo: check the updated fact sheet
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.3/5, average profile. In its favour: origination waived if applied for online (otherwise 1%). The trade-off to weigh: on small amounts the APR rises (9.13% on €10,000/72 months).
On the Sovereignty lens the score is 0.4/5 (weak): the strength is censorship resistance (1.5/5), while fund control (0.0/5) is the weak link.
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 is BPER loan's origination fee waived?
By applying online (BPER app or online advisors) the 1% origination fee is waived. The €1.75 per-instalment collection and stamp duties remain. On large amounts the APR is lower (8.48% on €20,000) than on small ones (9.13% on €10,000).
Sources
- Official service page Data verified on Jul 16, 2026