What bank cards or accounts are more cost effective in Italy?

Each card issuer has a dual currency credit card in RMB and USD, and you can freely choose a credit card issued by a member of the two international organizations, Mastercard or Visa.

If you are using Visa or American Express in North America, it is recommended;

MasterCard is more widely used in Europe.

From a practical point of view, there is little difference between the two for consumers. You can use MasterCard almost anywhere you can use Visa outside of China.

What international card associations really serve and target is their member institutions – the issuing banks of the agreement. For consumers, it is actually to provide a platform that can be used to make payments conveniently around the world.

There are a variety of credit cards that can be applied for <> Italy, and the first choice should be UnionPay for convenience.

UnionPay cards have already covered most of the countries and regions where Chinese citizens travel abroad, and will be further extended to a wider range of regions around the world. It is recommended to travel with a dual-currency card (UnionPay + Visa or MasterCard), which is safe and convenient, and the UnionPay handling fee is relatively low.

If some shops can't swipe UnionPay, then choose to swipe Visa or MasterCard.

It should also be noted that the renminbi and Hong Kong dollars are not yet in circulation in Europe, so please bring your own euros and prepare some small banknotes, such as euros. According to the relevant regulations of China's foreign exchange management, citizens are allowed to carry 5,000 US dollars per person when traveling abroad. It is best to exchange euros in advance at the domestic silver socks letter bank before departure, or you can exchange the jujube at a local big bank, airport or Bench Haochun convenience store.

In Italy, it is very simple to open a bank account and apply for a bank card for international students. Let's take a look at the guide to applying for a bank card for studying abroad in Italy How to open an account at a bank?

1. Bank account

You must first open your own bank account, that is, onto corrente bancario, which is a transactional account, which can realize online capital circulation, and with an account, you can open your own credit card and online banking, and you can also set up automatic payment.

To open a bank account, you need to prepare your passport, but also bring a personal tax card, and then go to the bank to handle, after filling out the application form, to open an account, you need to deposit a cash deposit first, there is no limit to the amount.

2. Bank cards

The more common is the carta prepagata con iban, which is a small account card, which can only deposit up to 50,000 euros, and the annual fee of the card is 12 euros.

If you need to buy goods in installments, it is recommended to apply for a carta prepagata con iban with an annual fee of 35 euros; The lowest annual fee is Carta Prepagata Ricaricabile, but you can only save up to 20,000 euros.

3. Card application requirements

If you want to get a bank card easily, it is recommended to choose the Superflash prepaid card, which supports online shopping and international transfers, which is convenient for everyone to pay living expenses, and students need to show their passports, tax numbers, residence cards and accommodation certificates.

If you don't want to pay the annual fee, it is recommended to choose the Genius Card prepaid card, which supports online shopping and transfer, and can also pay for living, and people under 30 do not need to pay the annual fee, and you need to prepare a passport, tax number, residence card and proof of study.

IV. Instructions for Card Opening

Before going abroad, it is recommended that you get a UnionPay savings card, so that it will be more convenient to withdraw money in Italy; You also need to apply for a dual-currency credit card with Visa or Master, which is convenient for everyone to spend on the card.

In Italy, the process of opening a bank account is very simple, you can open an account at any bank or post office, and there is no fee. A valid ID and tax ID number must be provided when applying for a card.

Debit Card:

For this question, you will have some small questions, if you want to apply for a local bank card in Italy, do you need to apply for a debit card? Actually, no, the domestic savings card belt used to be convenient for parents to transfer money to their children, and for children to withdraw money there. In other words, parents directly transfer RMB to their children's domestic savings cards, and the children's ATMs in Italy (as long as there is a UnionPay logo on them) directly withdraw money and withdraw euros.

Then everyone withdrew the money from the domestic savings card and deposited it in the local bank card for use. Therefore, there is no need for parents to cross the border draft, and it is also convenient for children to withdraw money.

What is the best debit card? In the past, it was recommended that you apply for Huaxia Bank's savings card, but from 2018, Huaxia Bank's ordinary card will also charge overseas handling fees. However, there are still many small banks in China, and their bank card benefits are still very good.

In addition, there are many such niche banks that are also free of handling fees, and you can call ** to consult the bank where it is more convenient for parents to transfer or deposit money near home. If it is a handling fee, then it is generally about 12-15 yuan.