BPER Card Classic is a credit card that can be used to buy goods and services in physical stores and online, within the spending limit set in the contract.
It can also be used to request cash advances in euros or local currency at enabled ATMs, within the limits and fees shown in the product conditions.
A typical credit limit range shown for this card is €1.000 to €20.000, subject to creditworthiness checks and approval.
Main Features for Everyday Use
Online purchases can be protected through 3D Secure, which supports authentication on participating e-commerce sites.
Real-time spending notifications are available through the BodyCard SMS service, with a subscription described as free.
Contactless payments support per-transaction limits, including an indicated maximum of €25 per contactless transaction without PIN.
A cumulative contactless threshold is indicated at €150 for consecutive operations before a PIN or signature may be required again.
| Pros | Cons |
|---|---|
| Works for everyday purchases in-store and online. | Annual fee applies (and there’s also a fee for issuance/renewal in the listed conditions). |
| Contactless payments supported for faster checkout. | Cash withdrawals are costly due to percentage-based fees and minimum charges. |
| Can help with online shopping security via 3D Secure on supported merchants. | Foreign currency use adds extra costs through a commission plus possible conversion components. |
| Option for electronic statements at €0,00 helps reduce recurring costs. | Paper statements add a monthly delivery fee. |
| Spending is controlled by an assigned credit limit, which can support budgeting. | The approved credit limit and eligibility depend on assessment, so outcomes vary. |
| Support channels are available for help and card blocking when needed. | Extra services or changes (like replacement cards) can add additional fees. |
Fees and Ongoing Costs You Should Budget
A one-time issuance cost is listed at €36,99, with the annual fee from the second year also listed at €36,99.
A renewal fee is listed at €36,99, and a replacement (duplicate card) fee is listed at €20,00.
Paper statement delivery is listed at €0,85 per month, while electronic statements are listed at €0,00.
A stamp duty amount of €2,00 is shown for statements when applicable, with conditions noted for when it is applied.
ATM Cash Withdrawals and Daily Limits
Cash withdrawals are listed at 4% with a minimum fee of €3,00 per withdrawal.
The daily cash withdrawal limits shown are a minimum of €50 and a maximum of €300 for ATM or counter cash advances.
Cash withdrawals can increase overall cost quickly because fees apply even when the withdrawal amount is small.
Foreign Currency Transactions
A foreign currency commission is listed at 1,50% for operations in a currency other than the euro.
An additional conversion cost is indicated as varying up to a maximum of 0,84% depending on the country and the card network used.
Currency conversion is handled by international card networks using their exchange rate on the settlement day, which can differ from the purchase day.
Interest Rates and How Repayment Works
The repayment timing shown indicates the balance is charged 13 days after the statement date, which aligns with a “pay-in-full” billing approach.
The published conditions in the cited fee section do not present a revolving TAN/TAEG table for purchases.
Late payment costs, interest, and other credit-related charges can depend on the contract variant.
Itshould be checked in the personalized contract and associated transparency documents before acceptance.
Eligibility and Documents to Prepare
The intended audience includes adult individuals who meet the required reliability requirements for issuance.
Approval depends on a credit assessment, and the spending limit is set during the request process rather than being automatic.
A current income document is referenced as part of the activation/request process when applying through a branch channel.
Having an identity document, tax code details, and income evidence ready helps prevent delays when the bank requests verification.
How to Apply Online Step by Step
Start by using the official BPER transparency and product pages to identify the current version of the card and the latest conditions available online.
Continue by contacting customer assistance to confirm whether the request can be completed fully online.
Submit the requested personal data and documentation through the channel provided, then wait for the credit assessment and spending limit assignment.
Review the final contractual documents carefully, focusing on fees, statement format costs, cash withdrawal charges, and foreign currency commissions.
Online Checklist Before You Press Confirm
An identity document and tax identification details are typically needed to complete the onboarding flow correctly.
Income evidence can be requested to support the credit assessment and determine the authorized spending limit.
Choosing electronic statements can reduce recurring costs compared with monthly paper statement delivery.
Noting expected ATM and travel usage helps estimate real costs using the listed withdrawal and FX commissions.
Customer Support Phone and Official Address
For card assistance, a published support number is 059 4242, and it is presented as a key contact for card blocking and help.
A published card-related toll-free number is 800 227788, with an abroad number +39 059 2919622 shown for the BperCard service.
The listed head office address for BPER Banca S.p.A. is Via San Carlo 8/20, 41121 Modena (MO), Italy.
A published central telephone reference for the head office is 059 2021111, which can be used for formal contact needs.
A Practical Wrap-Up for Confident Use
BPER Card Classic can suit everyday spending when monthly billing and clear fee visibility for withdrawals and FX use.
The most predictable cost drivers are the annual fee, cash withdrawal charges, paper statement delivery, and foreign currency commissions.
A reliable comparison comes from adding expected yearly card fees to the charges linked to personal habits such as travel, cash use, and statement preferences.
Disclaimer: This text is informational and is not financial, legal, or tax advice. Fees, limits, and conditions can change, and final terms depend on the individual contract accepted. Any credit-related interest rates, including TAN and TAEG when applicable, should be verified in the official pre-contract and contractual documents provided for the specific offer. Before applying, reviewing the latest official transparency materials and confirming current contacts through the bank’s official pages helps avoid outdated information
