Postepay review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Postepay suits students and parents looking for a prepaid card that costs nothing to hold, with a monthly fee of €0 and cashback of 0% to 30%. The 1.1% conversion charge and the minimum top-up to enable the card keep it a spending card rather than a travel money one.
Key facts
- Best for
- A prepaid card for students and kids who want a Visa card with no monthly fee.
- 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
Pros and cons
Pros
- No monthly fee: the card carries a fee of €0 and sits at 1 of 379 on monthly fee
- Cashback of 0% to 30% on spending
- Free ATM withdrawals at €0, a rank of 38 among 104 brands
- Support runs on chat, email and phone for anyone who needs help setting the card up
Cons
- Currency conversion runs at 1.1%, ranking 130 of 237 on this comparison
- The card only works once you have made a minimum top-up, so a spare amount has to sit on it before first use
- Cashback of 0% to 30% covers only a small band of everyday spending
Who it suits
- Students who want a first card with no monthly charge
- Parents setting up a prepaid card for a kid, since the card is aimed at students and kids
- Anyone spending mainly in euro without needing a bank current account for the card
Who should look elsewhere
- Frequent travellers, since 1.1% applies to every conversion and travel travel support does not remove it
- Bitpanda, which charges 0% on conversion
Trading and withdrawal fees
Holding the card costs €0 each month, so there is no charge for keeping it in a wallet or a drawer. The first real cost is activation: the minimum top-up needed to enable the card is bundled with the issuance fee, while mobile top-ups are free. Spending abroad is the expensive part, with a currency conversion charge of 1.1% added on top of the Visa network rate. Cashback of 0% to 30% takes some of that back on a share of purchases.
Where it sits among rivals
On the monthly fee, Postepay is near the top of the table, at 1 out of 379 brands compared, and the figure matches the €0 the card actually charges. Currency conversion is the weaker side, landing at 130 of 237 against a 1.1% charge. Free ATM withdrawals of €0 put it at 38 of 104.
How Postepay compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.6
9.0 vs 9.0
9.0 vs 9.1Conversion costs 0% against 1.1% on Postepay, so card spending abroad is cheaper on Bitpanda.
9.0 vs 8.9
9.0 vs 8.1
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9- 9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.3
Where Postepay is available
- Available
- Italy
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a Postepay card cost each month?+
The card carries a monthly fee of €0, and it ranks 1 of 379 brands on this measure. There is a cost before you can use it at all, since a minimum top-up is needed to enable the card. Mobile top-ups are free once it is active.
What does it cost to use the card in another currency?+
Postepay adds a currency conversion charge of 1.1% on spending in another currency, which is above the 1.1% midpoint across the brands compared. The card runs on the Visa network, so the Visa rate still applies underneath. If you spend abroad often, this is the number that matters most.
Can I get cash out of a Postepay card at an ATM?+
Free ATM withdrawals are set at €0, which places the card at 38 among 104 brands ranked on that measure. Cash out after you have topped the card up, since the card has to be enabled first.
Who is the Postepay card aimed at?+
The card is aimed at students and kids, so it works as a first card or a card a parent sets up for a younger person. Because it is prepaid, you control the spending limit by what you load. It is a prepaid card rather than a debit card tied to a current account.
Is there cashback on a Postepay card?+
Yes, spending earns cashback of 0% to 30% under the card's own terms. Read the band carefully, since not every purchase or category qualifies. Cashback sits alongside cashback of 0% to 30% only on the purchases the provider includes.
What help is there if something goes wrong with the card?+
Support runs on chat, email and phone, so you can reach the provider by chat, email, phone or the help centre. A dedicated phone line is useful if the card is blocked while you are abroad. The card is provided by Poste Italiane S.p.A..
Does the card work for travel?+
Travel is listed as a feature of the card, and it runs on the Visa network, so it should work widely for spending abroad. The catch is the conversion charge of 1.1% on any amount you spend in another currency. Paying in euro where a merchant offers the choice keeps that charge away.
Do I need to pay anything to top the card up?+
Mobile top-ups are free. A minimum top-up is needed to enable the card in the first place, and that step carries the issuance fee. After the card is active, loading more money by mobile costs nothing extra.
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
A prepaid card for students and kids who want a Visa card with no monthly fee.