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A card for every need

Choose the card that best suits your needs: credit, debit or prepaid

A new way to pay

Now, when you ask for a new Fineco card you can immediately activate the digital payment capabilities and use your Fineco card to pay using Apple Pay, Google PayTM, FitbitPay or Garmin Pay.
All you need is your smartphone. It's that simple.

Fineco Card Debit

The contactless card to withdraw everywhere in Italy at all ATMs and purchases with direct debits on your account.

  • Free BANCOMAT® ATM withdrawals everywhere in Italy above €99
  • Purchases from anywhere in Italy and abroad, also online
  • Customizable limits and ceiling directly from website and app
  • Maxi withdrawals up to €3,000 and max purchase up to €5,000
  • Available in a "virtual" version that can be used only for online or wallet payments and for withdrawals with the Smart Withdrawal feature
Maxi withdrawals: service available at all UniCredit Group advanced ATMs
Fineco Card Debit: shipping charges of €2.25.
Withdrawals: €0,80 commission fee when you withdraw up to €99.

Fineco Card Credit

The mono or multifunction credit card for all needs.

  • Withdrawals everywhere in Italy
  • Request credit limit increases directly from the website or app
  • Free revolving option activation and charges billed the following month

Fineco Gold World

The premium credit card, with a range of benefits and exclusive services.

  • Credit limits start from 5,000 euros a month
  • Travel insurance, purchase protection and extended warranties for goods purchased with the card
  • Access to over 1.100 Lounge Key lounges at major airports worldwide
  • Unique experiences and benefits only for premium Mastercard card holders
  • Contactless, Apple Pay, Google Pay, Fitbit Pay and Garmin Pay enabled

Reloadable: safe, stylish purchases

An excellent gift and an good option as a second card.
And now you can choose the network you prefer between VISA Electron and MasterCard.





Virtual card

Richiedila in versione «virtuale» senza i costi di spedizione per limitare la produzione di plastica

Perfect for making secure online or in-store purchases. Fineco reloadable cards can also be used by under-18s and to withdraw money abroad (€2.90 per withdrawal, fixed charge). Costs just €9.95 a year, with no fees on top-ups.

Carta Extra – a loan in your pocket

A scheduled repayment card that offers you finance of up to €2,000 for your spending.

Use it when you like and pay back your purchases at a convenient fixed monthly rate.


With Mastercard Travel Rewards you can
explore the world and save money

Shopping abroad with your Fineco Mastercard credit card has never been so rewarding.

Take advantage of discounts on your purchases with merchants participating in the Mastercard Travel Rewards programme, part of the amount you spend will be credited as cashback on your card statement.

The cardholder must be resident in Italy and at least 10 years old.
Vai a STARS: the high-quality selection

Support 7 days a week

Customer Care is always at your disposal, even on Sundays.

Vai a STARS: the high-quality selection

Grant your own wishes

Get a Fineco loan of up to €50,000 to use as you please.

Open a Fineco account. It only takes 5 minutes with your webcam.

Advertising message for promotional purposes.For all the terms and conditions related to the products and services advertised, reference should be made to the information sheet and advertising information forms and to the information documents required by the regulations in force, available in the Transparency section of the website and from the financial advisors authorised to offer products and services outside Fineco's offices. All products offered are reserved for Fineco account holders.

1 The virtual version card can only be used for online payments or with enabled Wallets. It can also only be applied for if the card is in the account holder(s)' name with which the card is associated. See the Information Sheet for details regarding plastic production and other costs.

Card Gold World: to view all the financial and contractual terms and conditions of the product, please refer to the Information Sheet, as well as to the FinecoBank S.p.A. Personal assistance policy issued by SARA Assicurazioni, available on the website and the website. Credit is granted subject to the approval of the Bank.

Carta Extra revolving option: Nominal fixed interest rate 9.95%. E.g.: Withdrawals and purchases of €2,000. Total interest €207.14. Card and PIN sending charges €1.90. Current account fee: €6.95 per month. Total of refund € 2368,89 in 24 month. APR: 18,70%, installment amount: 95€.

Fineco Card Credit revolving option: fixed nominal APR of 9,95%. Example: cash withdrawals and purchases of €1,600 - Total interest due: €123.75 – Card annual fee: €1.66 (Equals the total card fee charged during the period the installment plan was active) – Current account fee: €6.95 per month. - Total of refund: €1,843.56- TAEG: 20,80%.

Google Pay™ is compatible with all Android smartphones, starting with version 5.0 (Lollipop) or later. You can also use Google Pay on smartwatches with Google Wear compatible OS. To pay in stores, the smartphone must be equipped with NFC technology. For further information, please consult Google Support page. Your card information is not stored on the device or transmitted during payment. It is important to know that by activating Google Pay, as per the Google policy, you consent to making the data on transactions made with your payment card through Google Pay available to Google itself. For the conditions and purposes of data use please consult the Google Payments Terms of service and Privacy Policy and the Terms and Conditions of the service provided by Fineco Bank upon activation of the service.

Mastercard Travel Rewards cashback programme open to Fineco customers who hold Mastercard credit cards. The programme offers cardholders cashback for purchases made with participating merchants in a number of overseas countries. A percentage of any eligible transaction amount will be credited back to your card account statement within a few days. The cashback percentage amount varies depending on the merchant and is updated quarterly.
A percentage of the amount spent, which varies according to the merchant's offer, will appear as a credit on your Mastercard credit card statement.
The list of overseas countries and merchants participating in the scheme is available at Currently the offer only applies to purchases made with merchants who have joined the scheme in the following countries, Australia, Austria, Brazil, Chile, China, South Corea, United Arab Emirates, Fiji, France, Hong Kong, Japan, Malaysia, United Kingdom, Singapore, Spain, United States, Taiwan, Thailand, Turkey and New Zealand.
Cashback is paid for in-store and, where expressly offered by the merchant, online purchases made with participating merchants.
Customers can opt out of the rewards programme at any time by calling/emailing Fineco customer care. This offer is valid from 01/01/2023 to 31/03/2023.

Apple Pay is compatible with enabled Apple devices. For further details please visit Apple website.
Before paying, it is necessary to add the cards to the Wallet as specified on the dedicated Apple website. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the USA and in other countries.

Fitbit Pay is compatible with devices listed on Fitbit website.

Garmin Pay is compatible with devices listed on Garmin website.

Versione italiana

Fineco UK

Pubblico Avviso alla clientela dei Comuni oggetto di ordinanza (v. all'allegato n. 1 al decreto del Presidente del Consiglio dei ministri del 23 febbraio 2020).

A testimonianza dell’attenzione verso la propria Clientela, Fineco ha deciso di intraprendere un’azione a favore dei Clienti che vivono nei Comuni coinvolti dall'emergenza Coronavirus – Covid19.

Fino al 15 aprile 2020 i titolari di mutui Fineco relativi a edifici ubicati nei comuni indicati nel decreto, possono richiedere la sospensione del pagamento delle rate di mutuo fino alla cessazione dello stato di emergenza (dichiarato per un periodo di 6 mesi dalla delibera del Consiglio dei ministri del 31 gennaio 2020).
Tale misura non comporterà alcun costo aggiuntivo né l’applicazione di interessi di mora.

E’ possibile contattare il numero verde 800.52.52.52 per reperire le informazioni necessarie al fine di attivare la sospensione del pagamento delle rate con decorrenza dalla prima rata utile successiva alla richiesta.

Si precisa che la sospensione non costituisce in alcun modo novazione del contratto di mutuo e resta ferma ogni altra modalità, patto, condizione e garanzia di cui al contratto di mutuo, con particolare riferimento alla garanzia ipotecaria.Le rate sospese inizieranno a decorrere al termine del periodo di sospensione con corrispondente allungamento del piano di rimborso per una durata pari al periodo di sospensione stesso, mantenendo la loro attuale periodicità.