Since about 50% of my annual expenses are in euros, I would like to ask for advice on a bank account with a credit card in euros, preferably with an Italian institution. Having a credit card is important to me, especially for occasions when I need to rent a car abroad.
Until recently, I used an account with Intesa San Paolo, which was completely free and included a credit card. However, after turning 30, the costs increased to 100 euros per year.
Does anyone have suggestions or alternatives to recommend?
I already have a revulut account, but it is not a real credit card so in some cases it may not be accepted. Do you know if the certo one card is recognized as a credit card for car rentals?
Yes, it is VISA or MasterCard debit card, but I never had an issue booking a rental car with those, providing that there was enough cash on the account.
If money/saving is a concern, the Cumulus or Visa Free credit cards from Migros Bank may be cheaper for foreign bookings, since they donât have a foreign transaction fee. I would recommend always first trying to use a card with a favorable exchange rate (e.g. Neon, Revolut, Wise, etc.) for the actual payment, and only use the credit card for the deposit/hold.
If money is not a concern and convenience is more important, there are banks like UBS that offer both euro-denominated bank accounts and euro-denominated credit cards.
ok, if the CertoOne card is a credit card in case Revolut doesnât work I can use it for the rental and then at the end ask to pay with Revolut so you donât lose yourself in exchange fees. Can it work in your opinion? Has anyone already used the Certo card for a rental?
Yes, I have been using the Certo and then Certo One for many years now. Itâs a real credit card with a credit limit that is assigned to you upon account opening (between 1k to 10kCHF if I recall correctly).
The card is accepted worldwide (MasterCard network).
In Switzerland, for payments in CHF, you get one of the best cashback programs.
BUTâŠfor payments abroad Cembra charges 1.75% of âsurcharge tax abroadâ, and applies the MasterCard exchange rate which is allegedly fair, but overall itâs a mini scam.
Long story short, abroad, try to pay as much as possible with true multi currency cards (Revo, wise, neon, Yuh,âŠ) and use the Certo only as last resort, mainly for deposits at rentals or hotels.
I use wise and it works everywhere so far. I have. It linked to apple wallet. I also had to travel to US earlier this year and it worked perfectly well with contactless
I find Radicant lacking the âreceiptâ PDF generation feature that some other neobanks have.
For example with Yuh it is possible to generate a single PDF for each transaction. This is very useful if you need to get reimbursed or upload a proof of purchase.
With radicant I will need to upload a screenshot of the transaction, which is not so professional.
I donât know yet if they use the official Visa rate without markup; but it has the potential to be a good card for spending euros and paying a posteriori, without extortionate fees.
The credit card of DKB used to be free, I had one. Now they charge 2.50 a month and gave me a free Visa debit card.
But the DKB credit card is like a debit card: you get very low credit and have to pay in advance. So, not much difference to the Visa debit card except that with the credit card they wanted you to maintain a separate account for the credit card and with the debit card you donât need to do that.
Personally I use wise for payments and the DKB debit visa to get Euro cash from ATM, which is free. No more credit card in Euro.
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