Bank cards are inseparable from all aspects of life in Italy. So how to open an Italian bank card, and which one is more convenient? We have summarized the relevant content for you, let’s learn about it together.

Italian bank card classification

1. Bank account—Conto Corrente Bancario

This is a veritable transaction account. With it, we can open a credit card (carta di credito, bancomat), online banking (internet banking), scheduled automatic payment of utility bills (pagamento bollette), issuing checks (emissioneassegni), etc.

Opening an account generally requires: ID card (or passport, driver's license) and tax card (codice fiscale).

It usually takes a long time to go through the opening procedures, because when you arrive at the bank, the bank staff needs to fill in a detailed personal information form for you, and then you need to sign various documents. The procedure for opening an account is free, but you will need to pay regular fees after opening.

2. Bank card—Carte bancarie

Compared with a transaction account, the cost of a bank card is much smaller, and the services of the bank card are equally diverse.

In Italy, the most common bank cards can generally be divided into three types:

1. Carta prepagata con IBAN

This kind of card can be called a A small account that you carry with you. The only difference is that this card can only store up to 50,000 euros. The cost of this kind of card is generally about 12 euros a year. Sometimes when banks offer discounts to students, the price may be lower or free. There are many types of such cards. The more common ones are:

→Postepay, a yellow card from the post office: no IBAN number, one card can deposit up to 3,000 without handling fees

→Postepay evolution, a black card from the post office: with an IBAN number , one can save 30,000 yuan and the annual fee is almost 10 euros

→ UNICREDIT’s GENIUS card: with IBAN number, no handling fee if you are under 29 years old

→ Tobacco shop PAYPAL PREPAGATA: There is an IBAN number, one can save 10,000.

2. Carta di credito flessibile

This is a simple credit card. Its maximum storage amount is also 5W euros. The difference is that you can use it to pay in installments when purchasing certain items, but the shopping amount ranges from 1,000 to 5,000 euros. The cost of this card is around 35 euros per year.

3. Carta prepagata ricaricabile

This card has the lowest fee among all bank cards, about 10 euros a year. Some banks will completely accept it for college students or young people under the age of 26. free. The total amount stored on this card cannot exceed 10,000 euros, and the top-up to the card cannot exceed 5,000 euros every 24 hours. For example, genius card

These three cards have online banking services. When you apply for the card, the bank will give you a keychain called chiavetta elettronica. Everyone needs this if they want to check the status of their bank card through online banking. little things.

It is actually very simple to enter your account online. Generally, you need to enter three numbers:

The first one is codice titolare, which is on the first page of the contract for opening a bank card. have.

The second is the login password you set yourself.

The third one is the number chiavetta elettronica gives you every time.

These cards are generally the same as accounts and have their IBANs.

In other words, it is no problem to receive and remit money in Italy, but to accept remittances from abroad, you need a series of codice SWIFT numbers, also called BIC. The bank may not provide this when applying for a card. If you need it, you can ask the bank specifically.

Generally when paying online, you need to enter the cardholder’s name, card number (which is the string of numbers on the front of the bank card), validity period (also on the front of the card), and the last thing that needs to be entered is codice di sicurezza or CVC.

Apply for the UNICREDIT GENIUS card

The UNICREDIT GENIUS card is a youth card specially set up by UNICREDIT Bank for students. There is no fee to apply for the card. The annual fee is 5 euros per year. When withdrawing and depositing money, it is equal to There is no handling fee and it has been favored by international students in recent years.

Materials required to apply for the card

1) Original and copy of my residence card (those who do not have a residence card can take a copy and original of the old residence card, and a copy and original of the residence note) )

　2) A copy of my school enrollment certificate or admission certificate

3) A copy of my passport and visa page

4) A copy of my tax ID number< /p>

How to apply for a card

1) First of all, to apply for a card in Italy, ask the staff of cassa to tell you that you want to apply for a card, and then he will explain to you where to make an appointment;

2) Bring the required materials to apply for the card when you arrive at the appointment time;

3) When applying for the card, you will be asked for your address, email and mobile phone number, etc. Please be sure to leave the contact information you are using. ;

4) After successfully applying for the card, the bank card password will be sent to you (please remember to take the screenshot, because it will be automatically deleted within 24 hours)

5) The bank’s work afterwards The staff will make an appointment with you to pick up the card (note: after applying for a bank card at the bank, the card will not be given to you immediately, but will usually be given to you within half a month);

6) In After taking out the card, you need to go to cassa to pre-deposit money to open the card (the amount is optional). When you can withdraw it, it proves that the application has been successful.

Measures for lost or stolen bank cards

1. Call and report the loss of domestic credit cards and bank cards quickly

Bank cards are okay, but you need to pay special attention to the following Credit cards, in some places in Italy, do not require a password or even a signature to swipe a credit card. They can be swiped at will. After confirming that your domestic card is lost, call the bank as soon as possible to report the loss to avoid further losses.

The bank customer service can be found by searching online. If the card is issued by yourself, call immediately to report the loss. If the card is issued by a family member, contact your family immediately.

PS: After the card is reported lost, even if it is found again, the card cannot be used. You can only go to the bank to apply for a new card.

2. Call the police

In Italy, many people find it troublesome to report a crime. Even if they report a crime, they probably won’t be able to get their money back, so forget it.

Even if the chance of getting it back is very small, you still have to call the police. If you can’t find it, you can find someone to help call the police.

112——Gendarme

113——Police

I am going abroad soon, so apply for a bank card early~~

By the way, just a reminder. , students who do not yet have a passport should apply for it as soon as possible. It is recommended that the validity period be at least 3 months after the visa expires.