If you use Postepay Evolution as your primary tool for receiving payments, salaries, or simply money transfers from friends and family, you’ve surely wondered if there are any limits on incoming wire transfers. It’s a more than legitimate question: understanding how many transfers you can receive and with what maximum amounts is crucial for managing your finances effectively and avoiding unpleasant surprises.

Thanks to its IBAN, the Postepay Evolution works just like a bank account for receiving SEPA transfers. However, as a rechargeable prepaid card, it has specific features that also affect how credits are managed. In this complete guide, we will clarify the limits on wire transfers credited to your Postepay Evolution, analyzing key aspects such as the number of allowed transactions and the maximum amounts per single and overall transfer.

Postepay Evolution: A Brief Overview

Before diving into the details of incoming transfer limits, it’s helpful to briefly recall what Postepay Evolution is and how it works. It is a rechargeable prepaid card issued by Poste Italiane, equipped with an IBAN code that allows you to send and receive SEPA transfers, have your salary or pension credited, set up direct debits for utilities, and make payments online and in physical stores, both in Italy and abroad, thanks to the Mastercard network.

Its “hybrid” nature—halfway between a simple prepaid card and a traditional bank account—makes it a very popular solution, especially among young people and those looking for a flexible payment tool with low management costs. For a complete overview of its features, you can consult our Postepay Evolution: The Complete Guide to Poste Italiane’s Card Account with IBAN.

Limits on Incoming Wire Transfers to Postepay Evolution: What You Need to Know

Let’s now address the central question: what are the limits when receiving wire transfers on a Postepay Evolution? It’s important to make a fundamental distinction: Poste Italiane sets a maximum balance (plafond) for the card, which is the maximum amount of money that can be on the Postepay Evolution at any given time. This balance limit is the main “limit” to consider for incoming transfers.

Postepay Evolution Maximum Balance (Plafond):
Currently (May 2025), the maximum balance for the Postepay Evolution is €30,000. This means that the total sum of the available balance and the amount of any incoming transfers cannot exceed this figure. If an incoming transfer would cause the balance to exceed €30,000, the transaction may be rejected or partially credited, if technically possible, up to the maximum balance limit.

How Many Wire Transfers Can You Receive Per Day on a Postepay Evolution?

Poste Italiane does not officially state a specific numerical limit for the number of SEPA transfers that can be credited daily to a Postepay Evolution. In theory, you could receive multiple transfers within the same day.

However, there are some factors to consider:

1. Card’s Maximum Balance (Plafond): As already mentioned, the unbreakable limit is the €30,000 maximum balance. Once reached, no further amount can be credited until the balance decreases.
2. Anti-Money Laundering (AML) Checks: All financial transactions, including incoming wire transfers, are subject to anti-money laundering regulations and checks. An excessive number of transfers or suspicious activity (e.g., numerous small amounts from various unknown senders in a short period, or large and frequent transfers inconsistent with the cardholder’s profile) could trigger checks by Poste Italiane. This doesn’t mean there’s a fixed limit, but that the institution reserves the right to monitor and, if necessary, request clarification or temporarily block the card for investigation.
3. Card’s Nature: Being a prepaid card, albeit an advanced one, it may be subject to more careful monitoring than a traditional bank account with an established credit history, especially for large and frequent cash flows.

In summary, there is no advertised “maximum number of transfers per day,” but the frequency and amount of credits must be consistent with the lawful and transparent use of the tool and must not exceed the maximum balance.

Maximum Amount for a Single Incoming Wire Transfer to Postepay Evolution

Similar to the number of transfers, there is no maximum amount specified by Poste Italiane for a single incoming SEPA transfer to a Postepay Evolution, as long as this amount, added to the existing balance, does not exceed the €30,000 maximum balance.

The sender of the transfer (the person sending the money) may, however, have maximum limits for outgoing transfers imposed by their own bank. But from the perspective of the Postepay Evolution recipient, the primary constraint is not exceeding the maximum balance.

Practical Example:

• Current balance on Postepay Evolution: €5,000.
• Maximum balance (plafond): €30,000.
• Maximum amount receivable with a single transfer (or multiple transfers): €30,000 – €5,000 = €25,000.

If you were to receive a €26,000 transfer in this situation, the transaction would likely be rejected because it would exceed the maximum balance.

Maximum Total Daily/Monthly Receivable Amount

No specific daily or monthly total maximum limits for received transfers are communicated, beyond respecting the €30,000 maximum balance and normal AML checks. If the card is frequently used to receive transfers that bring the balance close to the maximum, and is then emptied to receive more, this type of activity, while not prohibited, could attract attention for verification of the nature of the transactions, especially if the amounts are significant.

It is always good practice to maintain a transparent and justifiable use of the card. If you expect to receive very large sums or with high frequency, it might be wise to consider more structured financial instruments or to inform Poste Italiane in advance, although this is not a common practice for prepaid cards.

Factors That Can Indirectly Affect Receiving Wire Transfers

Besides the maximum balance, there are other elements that, although not direct “limits” on incoming transfers, can affect the smoothness of transactions:

• Card Status: A blocked, suspended, or expired card obviously cannot receive credits. Make sure your Postepay Evolution is not expired and is fully operational.
• IBAN Accuracy: The beneficiary’s IBAN (yours, in this case) must be entered correctly by the sender. An incorrect IBAN will result in the transfer failing to be credited.
• Sender’s Data: The sender’s details and the reason for the transfer are also important. Transactions with suspicious reasons or from flagged individuals could be blocked.
• Anti-Money Laundering (AML) and Know Your Customer (KYC) Regulations: Poste Italiane, like any financial institution, is required to apply strict regulations to prevent money laundering and terrorist financing. This involves monitoring transactions. If the movements on your Postepay Evolution (both incoming and outgoing) appear anomalous compared to your declared or inferred risk profile, you may be contacted to provide justification, or the card could face temporary operational restrictions. To learn more, you can read articles on online financial security and fraud prevention.

What to Do if a Wire Transfer Is Rejected or Not Credited?

If you are expecting a transfer to your Postepay Evolution and it doesn’t arrive, or if you know it has been rejected, here are some steps to follow:

1. Check the Maximum Balance (Plafond): Check the available balance on your Postepay Evolution. If the amount of the expected transfer, plus the current balance, exceeds €30,000, this is the most likely reason for the failed credit.
2. Contact the Sender: Ask the sender to verify that the IBAN and beneficiary details are correct and to check the status of the transfer with their bank. It may have been blocked or reversed by the issuing bank for various reasons.
3. Check the Crediting Times: Remember that standard SEPA transfers can take 1-2 business days to be credited. If an instant transfer was sent, the credit is almost immediate, but not all banks offer this service to Postepay Evolution, or there may be specific limits for instant transfers. Check the standard timelines, as explained in our guide on the schedule for SEPA transfers in Italy.
4. Check the Postepay App or the Poste.it Website: Check your transaction history for any communications or messages related to the transfer.
5. Contact Poste Italiane Customer Support: If the problem persists after all checks, contact Postepay Evolution customer service for clarification. There may be specific blocks or checks on your card.

Tips for Best Managing Transfers to Your Postepay Evolution

• Monitor Your Balance: Always keep an eye on your available balance to prevent an incoming transfer from being rejected due to exceeding the maximum limit.
• Provide the Correct IBAN: When you need to receive a payment, make sure to provide the correct and complete IBAN. You can find it on your statement, in the Postepay app, or in your personal area on the Poste.it website.
• Use it Transparently: Use the Postepay Evolution transparently, avoiding anomalous or unjustifiable money flows that could raise suspicion.
• Notify for Large Amounts (Rarely Necessary): If you are expecting a particularly large transfer that approaches the maximum balance and you’re concerned it might cause issues, consider withdrawing or spending part of the existing balance to make “room.” However, for amounts that fall within normal use and do not exceed the maximum balance, there are usually no problems.
• Keep Documentation: For important transfers (e.g., salary, payments for sales), keep the documentation that proves their origin and legitimacy, in case Poste Italiane requests clarification.
• Consider Alternatives for Large Volumes: If you need to constantly move very large sums of money that frequently exceed the Postepay Evolution’s maximum balance, you might consider opening a traditional bank account, which generally offers broader operational limits. Compare the differences between a bank account and a card with an IBAN to understand which tool is best suited to your needs.

Conclusions

Understanding the mechanisms that regulate incoming wire transfers on the Postepay Evolution is essential for using this tool with peace of mind and efficiency. Although there are no explicit limits on the number of daily transfers you can receive or on the maximum amount of a single credit (beyond the maximum balance), it is the overall maximum balance of €30,000 that is the true guiding light for the card’s receiving capacity. Any transfer that, when added to the existing balance, exceeds this threshold, risks not being credited.

It is also crucial to remember that Poste Italiane, like any financial institution, operates in compliance with anti-money laundering regulations. This means that an excessive volume of transactions, particularly large and frequent amounts, or unusual crediting patterns could attract attention and lead to requests for clarification or, in extreme cases, operational restrictions. Transparency and consistency in the use of the Postepay Evolution are therefore fundamental.

For the vast majority of users who use Postepay Evolution for daily needs such as receiving a salary, getting paid for small services, or receiving transfers from family, the limits imposed by the maximum balance are generally more than sufficient, and problems are rare. The important thing is to monitor your balance to ensure there is enough capacity for expected transfers. In case of specific doubts about your situation or particular transactions, the official channel, which is Poste Italiane’s customer service, remains the most reliable point of reference. Using Postepay Evolution with an awareness of its features and limits allows you to take full advantage of its benefits, avoiding hitches and managing your finances more effectively.

Frequently Asked Questions