This guide helps you apply for the credit card from Banca Mediolanum. It is managed by Nexi Payments SpA. We explain how to get the Mediolanum Credit Card, from the requirements through to activation.
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You will find out how to apply online. We will cover the available versions, costs and security measures. You can also manage it through the app. You can find information at www.bancamediolanum.it and on the customer support numbers: 800 107 107 and 02.345444 from Italy or +39 02 34.980.020 from abroad.
This guide is for people who live in Italy and are over 18. We will show you how to apply online. We will also give you advice on how to obtain the Mediolanum card safely.
Introduction to the Mediolanum Credit Card: an overview of the credit card, Banca Mediolanum and the Mediolanum Credit Card
The Mediolanum Credit Card is a credit card offered by Banca Mediolanum. It is perfect for anyone who wants payment flexibility. It works with Visa or Mastercard and is easy to manage through the app.
What is the Mediolanum Credit Card?
This card allows payments in shops and online. It also supports contactless payments and is compatible with Apple Pay and Google Pay. It offers real-time alerts and a Nexi Multirischi insurance policy for added security.
Available versions and main differences
There are two main versions: the basic card and the Mediolanum Credit Card Prestige. The basic version is for everyday use, while the Prestige has higher credit limits and premium services.
The annual fee for the basic version is 40 €, while the Prestige costs 80 €. The first year is free. Credit limits range from 1,500 to 10,000 €.
Why choose this card?
Benefits include advanced security systems and transaction alerts. It is easy to monitor spending with Spending Control and Easy Shopping. The card is suitable both for everyday life and for those looking for premium services.
Security is a key consideration. The procedures are designed to reduce fraud and protect the cardholder.
Requirements and documents needed to apply for the credit card
Before applying online, it is a good idea to check the basic requirements. The bank considers your age, current account and financial situation when deciding your limit. To get the Mediolanum Credit Card, you must be an adult and have a suitable Mediolanum account.
Your financial situation and credit history affect the limit you will be given. To find out more about Banca Mediolanum requirements, you can call the Banking Center. Alternatively, use the website chat or the Mediolanum freephone number for information.
Below, you will find the documents and key points to consider before applying online.
Age and contractual requirements
You must have a banking relationship, such as SelfyConto or another Mediolanum account. You must accept the Nexi Payments S.p.A. agreement, and you can change your mind within 14 days if you are a consumer.
The bank may notify the Centrale d’allarme interbancaria of any problems. If you have other cards, you remain responsible for payments. The agreement may have different financial terms.
Documents to prepare
To apply, you need a valid identity document and your health card with your tax code. You can use an identity card, driving licence or passport as your identity document.
A verified mobile number and an email address must also be provided for activation. These are used for the digital signature and alerts. The phone is also needed for 3D Secure/Mastercard Identity Check™ and SMS notifications.
The bank or Nexi may ask for additional documents about your income or expenses. If they do, they will give you a copy of the agreement and other important documents.
Useful contacts for clarification before applying
For general information, you can call the Mediolanum freephone number 800 107 107 from Italy. If you are calling from abroad, use +39 02 9045 1625. You can also speak to Banca Mediolanum customer support via chat, in the secure customer area or through the App Mediolanum.
For help with Nexi cards and services, check the Nexi contact details in the information documents. Useful numbers include card customer support on 02.345444 from Italy and +39 02 34.980.020 from abroad. If your card is stolen or lost, there are freephone numbers for emergencies.
| Item | Requirements | Useful contact |
|---|---|---|
| Age | Legal adulthood | Mediolanum freephone number 800 107 107 |
| Required account | Active Mediolanum current account (e.g. SelfyConto) | Banking Center or App Mediolanum |
| Required documents | Valid identity document, health card | Submission through the secure customer area or as attachments to the online application |
| Credit check | Assessment of assets to determine the credit limit | Banca Mediolanum customer support / Nexi contact details |
| Support and emergencies | Help with 3D Secure activation and theft/loss | 02.345444 (card support), 800 15 16 16 (theft) |
Detailed procedure for applying online and through the app
There are two ways to get the Mediolanum Credit Card: online on the official website or through the app. The process is simple and guides you step by step. From entering your details and uploading documents through to final activation.
Applying through the Banca Mediolanum website
To access the Banca Mediolanum website, visit bancamediolanum.it. Then go to Products and Services > Cards > Mediolanum Credit Card. Select Find out more and then Open an account and apply for the card.
The form asks for personal information, contact details, your tax code and certification for the digital signature. You can upload your identity document and health card. Choose Visa or Mastercard and the basic or Prestige version.
The digital signature completes the process. You will receive confirmation by email and SMS. If you are opening a new banking relationship, the checks take a few days.
Applying through App Mediolanum and the secure customer area
Customers with a Mediolanum account can use the app or secure customer area to apply quickly. Simply go to the Cards section and follow the application instructions.
Through the app, you can upload documents and complete digital identity verification. The Mediolanum app lets you activate services such as Mastercard Identity Check™. You can also set up a numeric password or biometric authentication for online payments.
You can configure Spending Control and alerts, request additional cards or change limits directly from the Mediolanum secure customer area.
Card activation and delivery times
Activation times vary depending on the type of request. For duplicate or replacement cards, delivery takes 7–10 days. Renewal is free, and the card is delivered within a month of expiry.
After receiving the card, you can activate it through the secure customer area or app. For online payments, you need to register for Mastercard Identity Check™ or 3D Secure.
Emergency replacement card and cash advance services are available. Terms vary depending on the card network. Charges follow the terms of the agreement and the monthly statement.
| Stage | Method | Estimated time | Notes |
|---|---|---|---|
| Initial application | Banca Mediolanum website | 3–7 days | Form completion, document upload, digital signature |
| Application for existing customers | Mediolanum app / Mediolanum secure customer area | 1–3 days | Faster guided process, digital identity verification |
| Automatic renewal | scheduled dispatch | by the end of the expiry month | Free replacement |
| Duplicate / replacement | request online or through the app | 7–10 days | Times may vary if additional checks are required |
| Activation | Mediolanum secure customer area / Mediolanum app | immediate after confirmation | Mediolanum Credit Card activation and Identity Check™ required for online payments |
Costs, limits and security: all about credit card interest rates, Mediolanum credit card costs and fraud prevention measures
This article explains the costs and security of the Mediolanum Credit Card. We will cover fixed fees, charges for certain transactions and transaction protection.
Main costs and fees
The annual fee for the Mediolanum Credit Card is 40 €, with the first year free. The Prestige version costs 80 €, also with the first year free. Discounts are available when linked to SelfyConto.
Cash advance fees can be as high as 4.80%. Minimum charges apply to euro and non-euro transactions. Third-party ATM fees may also apply.
Currency conversion uses the Visa and Mastercard exchange rates, with a Nexi fee of 2%. There are fixed charges for services such as card replacement. The Prestige version may have lower charges in certain cases. Statements with a balance >77.47 € are subject to stamp duty of 2 €.
Usage limits and credit limits
The Mediolanum credit limits for the standard card range from 1,500 € to 3,000 €. For Prestige, the credit limit ranges from 5,000 € to 10,000 €. These limits are the maximum amounts available for purchases.
The limit for individual transactions depends on the remaining available credit. The bank may set limits for types of spending or cash withdrawals.
For instalment plans, eligible amounts range from 250 € to 2,400 €. Cash withdrawals and betting are excluded. The cardholder can change limits through the app, secure customer area or by contacting the Banking Center.
Security measures and strong customer authentication (SCA)
Online transactions require strong customer authentication, as stipulated by PSD2 regulations. Strong customer authentication and SCA use two factors: something you know, something you have or something you are.
The cards offer protection such as 3D Secure and Mastercard Identity Check. Activating Mastercard Identity Check is free. Visa cards offer Verified by Visa/3D Secure, activated through Nexi.
Fraud prevention tools include SMS alerts and push notifications for suspicious transactions. Services such as ioSICURO are available to manage notifications. You can quickly block or unblock the card through the app or by telephone. If the card is lost or stolen, you can block it immediately by calling Nexi’s dedicated numbers.
How to use and manage the Mediolanum Credit Card: practical features, Mediolanum credit card benefits and monitoring tools
Managing the Mediolanum Credit Card is straightforward and secure. Cardholders can monitor spending and remaining available credit. They also receive real-time alerts.
The Mediolanum app offers tools for managing the card. You can view transactions, enable contactless payments and link the card to wallets such as Apple Pay. You can also apply for the card directly through the app.
In the Mediolanum secure customer area, you can unblock blocked cards. You can also change your password and activate Mastercard Identity Check™. You can request replacement cards.
Included services are the Nexi Multirischi insurance policy and 3D Secure fraud protection. The latter is activated automatically if your mobile number is on record. There are also value-added options such as ioSICURO and LoungeKey for Prestige customers.
Easy Shopping lets you convert purchases into instalment plans. Terms and costs vary. Some app notifications are free, while SMS messages may incur a charge.
If the card is lost or stolen, you can block it in moments. Calling the freephone number is recommended for immediate assistance.
For suspicious transactions, the card is blocked as a precaution. The incident is reported to the issuer and the necessary documentation is submitted. Banca Mediolanum and Nexi help trace transactions and request a refund.
To prevent fraud, it is important to keep your 3D Secure password secret. Do not keep the card and its codes together. It is advisable to update the app and enable biometric authentication when available. Setting up Spending Control reduces the risk of unauthorised spending.
| Features | Availability | Typical costs |
|---|---|---|
| Viewing transactions and credit limits | Mediolanum app, Mediolanum secure area | Free |
| Contactless and wallet activation | Mediolanum app | Free |
| 3D Secure / Mastercard Identity Check™ | App and secure area | Free if activated through the app |
| Spending Control | Mediolanum app | Free |
| Nexi multi-risk insurance policy | Included | Included |
| Easy Shopping (instalment payments) | Request through the app or website | Varies according to the contract |
| SMS alerts | Optional | Charge per SMS (e.g. 0.16 € as an indication) |
| ioCONTROLLO / ioSICURO | Optional | May involve additional charges |
| Blocking a Mediolanum card due to theft | App, secure area, telephone | Free |
Conclusion
The Mediolanum Credit Card is a modern, secure card. It is ideal for those who have an account with Banca Mediolanum. It offers advanced digital features and control over spending.
It also has instalment payment options. Benefits include monitoring tools through the app and strong authentication. It also works with Nexi to offer additional services.
Before applying for the card, it is important to check the requirements. You should compare the Standard and Prestige versions based on their credit limits and the services offered.
For security, activate 3D Secure or Mastercard Identity Check™. Also set up real-time notifications. These steps improve protection and the user experience.
To get the card, open a SelfyConto or log in to the secure area. Follow the online process in the app. If you have any questions, call the freephone number 800 107 107 or contact Nexi customer service.
By following the guide, you can get the card. You can then enjoy the benefits of the Mediolanum card securely and with control over its use.
FAQ
The Mediolanum Credit Card is a credit card for Banca Mediolanum customers. It is available on the Visa or Mastercard network. The issuer is Nexi Payments S.p.A., while the bank manages the offering and integration with Mediolanum current accounts.
There are the Mediolanum Credit Card (basic version) and the Mediolanum Credit Card Prestige (premium version). The basic version has an annual fee of 40 €, while the Prestige costs 80 € (both are free for the first year). Differences also include monthly credit limits and additional services.
This card offers a high level of security. It also integrates with mobile wallets and provides spending control tools. In addition, it offers instalment payment options through Easy Shopping and includes the Nexi multi-risk insurance policy.
To apply, you must be of legal age and have a current account with Banca Mediolanum. The bank will assess your financial position and creditworthiness to determine your credit limit.
You will need a valid identity document, your health card showing your tax code, a verified mobile phone number and an email address. During the process, you will need to upload the documents and digitally sign the contract.
For general information, you can call Banca Mediolanum’s freephone number 800 107 107. For assistance with Nexi cards, call 02.345444 from Italy or +39 02 34.980.020 from abroad. For theft or loss, use the freephone number 800 15 16 16 in Italy or +39 02 3498 0020 from abroad.
Go to www.bancamediolanum.it and select Products and Services > Cards > Mediolanum Credit Card. Then start the application. Fill in the form with your details, upload the required documents and choose the network and card type. Finally, complete digital identity verification and the electronic signature.
Yes, Mediolanum customers can apply through the app or secure area. Select the Cards section and follow the instructions. The same documents and mobile phone verification for 3D Secure will be required.
Standard delivery for a new or replacement card takes 7–10 days. Renewal is free before expiry. Activation is completed through the app or secure area as soon as you receive the physical card. For online use, you must register for Mastercard Identity Check™ or Verified by Visa (3D Secure).
The annual fee is 40 € for the basic version and 80 € for the Prestige (both are free for the first year). Cash advance fees are up to 4.80%, with a minimum of 0.52 € in the euro area. The cost of issuing a replacement card is 15 € (free for the Prestige in some cases). An emergency replacement card costs 25 € (free for the Prestige in some cases). There are also charges for paper statements and stamp duty where applicable.
Monthly credit limits range from 1,500 to 3,000 € for the basic card and from 5,000 to 10,000 € for the Prestige. Purchases and withdrawals must stay within the remaining available limit. You can request changes to the limits through the secure area, app or Banking Center, subject to the bank’s assessment.
The repayment method and any interest charges are set out in the Standard European Consumer Credit Information document. The main service provides for monthly repayment without interest within the terms of the contract. The specific terms for Easy Shopping instalment payments are defined in the contract.
The card includes strong customer authentication (SCA) under PSD2, 3D Secure (Verified by Visa) or Mastercard Identity Check™, SMS alerts/notifications for transactions and the Multirischi Nexi insurance policy. You can block or unblock the card in the app or request a block by calling the emergency numbers.
After activating the card, select “Add card” in the Mediolanum App or directly in your device’s wallet and follow the instructions. Some services require an up-to-date app and confirmation via OTP or biometric authentication.
Easy Shopping lets you convert selected purchases into instalment plans within limits set by the issuer. The process and applicable interest rates are explained in the European Consumer Credit Information document and the contractual terms and conditions.
Block the card immediately via the App or the secure account area and call the number for lost or stolen cards (800 15 16 16 in Italy or +39 02 3498 0020 from abroad). Report any suspicious transactions and start the dispute process by providing the required documentation.
Yes, you can request additional cards. The main cardholder remains responsible for their use under the contractual terms and conditions. Any fees and limits are specified in the agreement.
The documentation is available in the Transparency section of the Banca Mediolanum website (www.bancamediolanum.it) and in the updated Nexi information sheets (e.g. the version dated 1 October 2024). You can request a copy of the agreement and the Standard European Consumer Credit Information document free of charge.
For help with card features and Nexi services, call 02.345444 from Italy or +39 02 34.980.020 from abroad. For general information about products and accounts, call Banca Mediolanum’s freephone number, 800 107 107, or use the chat and Banking Center on the website.
You can open a SelfyConto or a Mediolanum account on the website or at the Banking Center. Then apply for the Mediolanum Credit Card by following the process online or via the app. The annual fee is waived for the first year; the bank will assess your creditworthiness to determine your credit limit.
Standard delivery of a replacement card takes 7–10 days. An emergency replacement card costs 25 € for the basic version, while for Prestige the service may be free in some cases. When the card is renewed, it is replaced free of charge during the month it expires.
Go to www.bancamediolanum.it, select Products and Services > Cards > Mediolanum Credit Card > Find out more > Open an account and apply for the card. Alternatively, open SelfyConto or use the secure account area/app if you are already a customer.
Published in: 21 de junho de 2025
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