Intesa Sanpaolo XME Card Plus is a debit card, so payments and withdrawals are charged directly to the linked current account balance.
It can be requested in Intesa Sanpaolo branches and, in specific cases, through remote/digital services.
If you want a simple card for everyday spending with ATM access and online payments, this product is designed for that use case.
What the Intesa Sanpaolo XME Card Plus is
XME Card Plus is a debit card connected to a current account, not a credit line.
It is linked to XME Conto UP! and can also be connected to a Condominium account under the stated rules.
It has a 5-year duration, and the expiring card is replaced on the bank’s initiative under the product terms.
It is usable upon delivery and works within the available balance and the contractual limits set for the card.
What you can do with the card day to day
You can use it to pay in stores through enabled circuits and to manage routine purchases without using cash.
You can make online payments using the bank’s secure payment services and mobile device payment options described in the product terms.
You can withdraw cash at ATMs showing supported marks such as BANCOMAT®, Mastercard, or Visa, depending on what is printed on your card.
You can also use extra services like balance and movement checks, and other account-related functions enabled by the product.
Everyday payments and online buying
In-store payments at merchants are listed with a €0.00 cost in the product’s cost table.
Online payments are supported through the secure internet payment service and mobile payment service described in the product features.
Some online payment functions can be available via Instant Issuing after activation, according to the product rules and service guidance.
Withdrawals and key spending limits
The document lists maximum limits such as €3,000 daily withdrawal and €10,000 monthly withdrawal as “maximum limits established by the bank.”
The document lists €5,000 daily payment and €10,000 monthly payment limits in the same limits table.
BANCOMAT Pay® limits are shown separately, with figures like €500 daily and €1,500 monthly in the limits section.
| Pros | Cons |
|---|---|
| Low monthly fee (€1.50) | €2.00 ATM fee at non-group banks |
| Free withdrawals at Intesa Sanpaolo ATMs | 2.00% currency conversion fee (min. €0.50) |
| €0 in-store payment cost | €5.00 card replacement fee |
| High daily withdrawal limit (up to €3,000) | €1.50 monthly maintenance cost applies |
| Online and mobile payment support | No credit or installment features (debit only) |
Fees and charges you should understand before applying
The cost table shows a monthly fee (canone) of €1.50 for the card under fixed costs.
ATM withdrawals at Intesa Sanpaolo Group ATMs are shown at €0.00 in the cost table.
ATM withdrawals at other banks in the SEPA and EXTRA SEPA areas are shown as €2.00 in the same table.
For non-Euro transactions, the table lists a 2.00% currency conversion commission with a minimum of €0.50.
Eligibility and what to prepare
XME Card Plus is designed to work with a linked current account relationship, so having the eligible account relationship is central to getting the card.
For XME Conto UP!, the card can be requested remotely only during the account opening process as described in the information sheet.
For condominium use, the card is requestable only by the administrator, according to the product rules.
If you already have remote services enabled, the request may be completed through the reserved area with the specific form steps described.
How to apply online for Intesa Sanpaolo XME Card Plus
For many users, the practical path is to request it inside the digital flow where you open or manage the linked current account.
The card request is described as happening by following the online procedure and signing the dedicated request form.
If you prefer in-person support, the same information sheet confirms it can also be requested in branches.
Apply while opening XME Conto UP!
The card is requestable through remote services exclusively during the current account opening process.
This means you typically choose the card as an option while completing the online onboarding flow for the account.
After completing the request, you follow the remaining steps shown in the digital process to finalize the request and receive the card.
Apply from the reserved area if you already have remote services
The distance-selling section states that the request can be made in the reserved area of the website by account and remote service holders.
It describes purchasing the card online by following the procedure and signing the specific request form.
It also states that the card can be issued only to the natural person who is the holder of the remote service.
Official phone numbers and head office addresses
For customer assistance from Italy, the toll-free number shown is 800 303 303, and from abroad it is +39 011 8019200.
The registered office address shown is Piazza San Carlo, 156, 10121 Torino, Italy, with a main telephone contact listed as +39 011 555 1.
A secondary office address is listed as Via Monte di Pietà, 8, 20121 Milano, Italy, with a telephone contact shown as +39 02 879 11.
For the most accurate routing to the right team, use the Italy/abroad line above and choose the menu path for cards and remote services support.
Final take: when XME Card Plus makes sense
Intesa Sanpaolo XME Card Plus fits best if you want a debit card linked to your Intesa Sanpaolo current account for daily spending and ATM access.
It is most convenient if you are opening XME Conto UP! online and want to include the card during that onboarding flow.
It is also worth reviewing the cost table carefully, especially for ATM withdrawals outside the group and for foreign currency conversion charges.
Disclaimer: This article is for general informational purposes and is not financial, legal, or tax advice. Fees, limits, and availability can change, so confirm current terms on Intesa Sanpaolo’s transparency documentation and official channels before applying. Applying for a card and opening an account may be subject to eligibility checks, product availability, and contract acceptance based on your situation.
