Are you looking for a prepaid card with an IBAN that offers flexibility and security in managing your finances? The Superflash Card by Intesa Sanpaolo might be the ideal solution for you! Prepaid, but with the convenience of a checking account, it allows you to receive bank transfers, credit your salary and make online purchases in total safety. But that’s not all: discover how to manage your expenses conveniently from your smartphone, withdraw cash worldwide, and benefit from exclusive services like 3D Secure and the Geocontrol Service. Continue reading to find out all the details and understand if the Superflash Card is the right choice for your needs!

What is the Superflash Card?

The Superflash Card is a prepaid card issued by Intesa Sanpaolo, equipped with an IBAN code that makes it similar to a checking account. This means you can use it to:

• Receive bank transfers
• Credit your salary or pension
• Set up direct debit for utilities
• Make payments online and in stores
• Withdraw cash at ATMs

The card is contactless, so you can make fast and secure payments simply by tapping it on the POS. Furthermore, thanks to the Intesa Sanpaolo Mobile app, you can manage your Superflash Card directly from your smartphone, checking the balance, movements, and security settings.   

How to Request the Superflash Card

To request the Superflash Card, you can follow these simple steps:

1. Log in to your Intesa Sanpaolo internet banking. If you do not yet have a checking account and remote banking services, you can open one online or at a branch. To purchase the Superflash Card online, you must be a holder of a checking account and remote banking services.   
2. Go to the “Cards” section and select “Prepaid Cards”.
3. Choose the Superflash Card and follow the instructions for the request.

To access Intesa Sanpaolo internet banking and the Intesa Sanpaolo Mobile app, you must be a holder of the My Key contract and have activated remote services. You can sign up for My Key in person at a branch or online.   

Costs and Fees

The Superflash Card has a monthly fee of 2 euros. Here is a summary of the main costs and fees:   

• Cash withdrawals:
  • At Intesa Sanpaolo Group ATMs: free.   
  • At ATMs of other banks in the SEPA area: 2 euros.   
  • At ATMs of other banks outside the SEPA area: 2% of the amount withdrawn or paid (minimum 0.50 euros) + conversion fee.   
• Cash request via Cashback service: 2 euros.   
• Sending documents online: free.   
• Card blocking for theft or loss: free.   

Transactions in currencies other than the euro are subject to the conversion fee applied by the international payment circuit. With Visa, the fee is a maximum of 1%. In the case of Mastercard, the fee varies, depending on the country where the operation is performed, from 0.15% to 1% of the amount.

Usage Limits

The Superflash Card has the following usage limits:

• Withdrawals: 500 euros per day.   
• Payments: available balance on the card.   
• Maximum top-up per single operation:
  • Online, in branch, at ATMs: 3,000 euros.   
  • Using a card issued by other banks at ATMs: 500 euros.   
• Monthly cash top-up limit: 5,000 euros.   
• Maximum amount loadable on the card: 10,000 euros.   

Services Offered

With the Superflash Card, you can access a wide range of services:

• Secure online payments: you can confirm payments from your smartphone with the PIN or via the 3D Secure protocol. You can confirm your payments with the 3D Secure protocol in online stores, with fingerprint, facial recognition, or PIN if you activate O-Key Smart.   
• Withdrawals at ATMs: in Italy and abroad. With the World Profile of the Geocontrol service for the countries where it is provided.   
• Bank transfers: you can make and receive SEPA transfers.   
• Top-ups: you can top up the card in several ways:
  • In all Intesa Sanpaolo branches.   
  • At enabled ATMs of other banks.   
  • At merchants participating in the Cashback service.   
• Geocontrol Service: you can enable and disable the use of the card in specific countries, increasing security. This allows you to manage the use of your card in specific countries, offering you peace of mind and reducing the risk of fraud while you are abroad.   
• “Safe on Line” Insurance: reimburses you in case of disputes with the seller for online purchases made with the card, for example, if your purchase does not match what was ordered and the seller refuses to replace it or if it was not shipped within 30 days of the charge and, at the latest, within 90 days of payment.   
• “Purchase Protection” Insurance: reimburses you in case of aggravated theft of the item purchased with the card within 30 days of purchase or delivery.   
• Robbery/Assault Guarantee at ATMs: reimburses you if you are robbed of cash withdrawn from an ATM within 24 hours of the withdrawal.   
• While waiting to receive your physical card, you can already make purchases in stores by registering the card on enabled digital payment wallets. Furthermore, from the website and the app, you will be able to view the card details (PAN, expiration date, CVV) to make online purchases.   

Security

Intesa Sanpaolo adopts advanced security measures to protect your Superflash Card and your funds:

• PIN Code: essential for authorizing transactions.
• 3D Secure: security protocol for online payments.   
• Geocontrol Service: to limit card usage in specific geographic areas.   
• Immediate card blocking in case of theft or loss.   
• The free insurance coverages of the card are provided by Intesa Sanpaolo Protezione S.p.A.. For more information, consult the Insurance Conditions available at the Bank’s branches and on the Company’s website.   

Advantages and Disadvantages

Advantages

• IBAN: allows you to receive transfers and set up direct debits for utilities. For example, you can receive your salary directly on your Superflash Card or debit household utility bills, simplifying the management of your finances.
• Contactless: fast and secure payments. You will no longer have to enter the PIN for small expenses, speeding up payment operations in stores.
• App Management: real-time control of balance and movements. With the Intesa Sanpaolo Mobile app, you can monitor your expenses, check the available balance, and block the card if necessary, all with a few taps on your smartphone.
• Security Services: PIN, 3D Secure, Geocontrol. These features offer you greater protection against fraud and unauthorized use of your card.
• Insurance: protection on online purchases and against theft and robbery. The insurance guarantees offer extra peace of mind, protecting you in case of unpleasant events.

Disadvantages

• Monthly Fee: fixed cost to consider. Evaluate if the services offered by the card justify the monthly fee, especially if you plan to use the card infrequently.
• Commissions: withdrawals at ATMs of other banks and foreign currency transactions incur fees. If you plan to use the card to withdraw cash often or to make purchases in foreign currency, take into account the applied fees.
• Usage Limits: withdrawal, payment, and top-up limits. The usage limits might be restrictive for some needs. Check if the Superflash Card limits are compatible with your intended use.

Features Table

Conclusions

The Superflash Card by Intesa Sanpaolo presents itself as a versatile solution for those who want a prepaid card with the functionality of a checking account, thanks to the presence of the IBAN. This means that, unlike traditional prepaid cards, the Superflash can be used to receive transfers, credit salaries, and set up direct debits for utilities, significantly simplifying the management of one’s finances. The ability to make and receive payments via SEPA transfer makes it an ideal tool for those who need to carry out banking transactions quickly and securely.

One of the main advantages of the Superflash Card is its contactless nature, which allows for fast and secure payments simply by tapping the card on the POS. This feature, now widespread in most stores, makes purchases quicker and more convenient, eliminating the need to enter the PIN for amounts under 50 euros.

Furthermore, the Superflash Card can be managed entirely via the Intesa Sanpaolo Mobile app. Through the app, it is possible to monitor the balance and movements in real-time, make top-ups, block the card in case of loss or theft, and customize security settings. This simplified and intuitive management makes it a card suitable even for those who are not very familiar with digital tools.

Another important aspect to consider is security. Intesa Sanpaolo has implemented various measures to protect user funds and data. In addition to the PIN code, the card uses the 3D Secure protocol for online payments, which adds an extra layer of security to transactions. Moreover, the Geocontrol Service allows limiting the use of the card in specific geographic areas, reducing the risk of fraud during trips abroad.

However, it is important to carefully evaluate the less positive aspects as well. The monthly fee of 2 euros could represent a significant cost for those who use the card infrequently. Additionally, there are fees for withdrawals at ATMs of other banks and for foreign currency transactions. Finally, the usage limits, such as the daily withdrawal limit and the maximum top-up limit, could be restrictive for some needs.

Ultimately, the Superflash Card is a complete and versatile solution, ideal for those looking for a prepaid card with the functionality of a checking account and the convenience of digital management. However, before requesting it, it is essential to carefully evaluate the costs, fees, and usage limits to ensure they are compatible with your needs. Comparing the Superflash Card with other prepaid cards offered by Intesa Sanpaolo, such as the My Key Card or the Mooney Card, can help identify the solution best suited to your spending profile. For more information and to request the Superflash Card, visit the Intesa Sanpaolo website or go to a branch.

Frequently Asked Questions