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Postepay review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Postepay is a prepaid card from Poste Italiane S.p.A. aimed at students and younger users, with a monthly fee of €0 and cashback of 0% to 30%. Spending in euros costs nothing to run, while the currency conversion fee of 1.1% makes it a weak pick for travel.

Key facts

Best for
A prepaid card for students and kids, with a monthly fee of €0 and free mobile top-ups.
Monthly fee
€0↗
Currency conversion fee
1.1%↗
Free ATM withdrawals
€0↗
Card type
Prepaid↗
Top-up fee
Minimum top-up to enable card 25.00 EUR (includes the 20.00 EUR issuance fee); mobile top-ups free↗
Cashback rate
0% to 30%↗
Card network
Visa↗
Legal entity
Poste Italiane S.p.A.↗
Support channels
Chat, Email, Phone, Help-centre↗
Features
Travel
Audience
Students, Kids
Official website
poste.it

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The standard card has a monthly fee of €0, and mobile top-ups are free.
  • Cashback on the standard card runs 0% to 30%.
  • Support covers chat, email and phone, so a blocked payment or failed top-up has a route to an answer.
  • The card runs on the visa network, so it is accepted in the places a Visa card is.

Cons

  • Free ATM withdrawals are €0, so taking out cash is not covered by the low running cost.
  • The currency conversion fee of 1.1% makes spending away from Italy costly, even though travel is a listed feature.
  • The first top-up has to be large enough to switch the card on and cover the issuance charge, so money sits on the card early.
Postepay

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Students and kids in Italy, the stated audience, who want a card with a monthly fee of €0.
  • Parents putting a spending limit on a young person's card, since a prepaid card caps spending at the balance loaded.
  • Anyone paying in euros who will use cashback of 0% to 30% and free mobile top-ups.

Who should look elsewhere

  • bunq, listed with a currency conversion fee of 0.5% to 3%, for readers who pay in several currencies.
  • Wise, where the monthly fee is £0, if a card that needs a first top-up to activate does not suit.
  • Varo Believe Secured Credit Card, a secured credit card with a monthly fee of $0, for those who want a card tied to a deposit.

How it compares on our data

On monthly fee Postepay ranks 1 of 422 brands, the strongest of the measures listed. Free ATM withdrawals place it at 44 of 124, and the currency conversion fee at 142 of 258.

How Postepay compares

Where Postepay is available

Available
Italy

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Postepay card cost to hold?+

The standard card has a monthly fee of €0. The cost comes at the start instead, since the first top-up has to be large enough to switch the card on and cover the issuance charge, while mobile top-ups are free.

Is there a fee for spending abroad?+

Spending outside Italy is charged a currency conversion fee of 1.1%, and in the comparison Postepay sits at 142 of 258 brands on that measure. Travel is a listed feature, so the card can be used abroad, but the conversion charge is the number to weigh before a trip.

What kind of card is it?+

Postepay is a prepaid card, so the money has to be on the card before it is spent and there is no credit line to repay. It runs on the visa network, and the provider behind the account is Poste Italiane S.p.A..

Can I take out cash for free?+

Free ATM withdrawals are €0 on this card, so cash machine use is not covered by the low monthly fee. Postepay ranks 44 of 124 brands on free withdrawals, which makes card payments the cheaper route.

Who is the card aimed at?+

The stated audience is student and kids, so it is built for younger users and their parents rather than for a full current account. The monthly fee of €0 keeps it cheap to hold for a first card.

How do I get help?+

Support runs on chat, email and phone, so a lost card, a failed top-up or a blocked payment can be raised by chat, email, phone or the help centre, whichever suits. The account is run by Poste Italiane S.p.A..

How do I add money to the card?+

Mobile top-ups are free, and the card has to be activated by a first top-up that covers the issuance charge. Once it is switched on it behaves as a prepaid card, so the balance sitting on it is what can be spent.

Sources

  • poste.it/assistenza/faq-prodotti-postepay checked September 26, 2026

    Backs: Legal entity

  • poste.it/carte-postepay checked September 26, 2026

    Backs: Audience, Card type, Support channels

    “Entra in chat (assistente digitale), Scrivici (email), Chiamaci (servizio clienti), Domande frequenti”

  • poste.it/carte-postepay/postepay-standard checked September 26, 2026

    Backs: Free ATM withdrawals, Cashback rate, Features, Currency conversion fee, Top-up fee, Monthly fee, Card network

    “Fai shopping in Italia e all'estero ... per viaggiare in libertà”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Postepay

Postepay

A prepaid card for students and kids, with a monthly fee of €0 and free mobile top-ups.

9.0/10See alternatives