Full review on the credit card Gold by Monte dei Paschi di Siena
It is fast, secure and is accepted all over the world. I’m talking about the MPS gold credit card, to which this review is dedicated.
This product, the balance refund of which is made with MPS credit card debit on the 15th of the month following the month in which you made the payment or expense, is in effect a great compromise between a base card and a premium card.
Let’s get to see this MPS credit card better as it works.
Index
- How Much Does MPS Gold Credit Card Cost
- The Plus ands
- Other costs
- Target: to whom they turn
- How to apply for MPS gold credit card
- Type of management
- Monte dei Paschi di Siena is safe
- Opinions on credit card MPS gold
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How Much Does MPS Gold Credit Card Cost
We’ll immediately see the MPS credit card and the costs.
The annual rent of the Montepaschi gold card is 90 €.
However, the product may also be required by bank account holders as an additional or familiar card. In these cases then the annual fee is only 40 €.
In the costs of the fee are included the costs for sending the documentation and the statement and the ancillary services.
The Plus ands
Activating the Credit card gold MPS You have access to a large package of ancillary services included in the fee. Here are the main ones:
- Exclusive insurance services: home care (which includes plumber, electrician, locksmith for emergencies), health care and accidents on the go, 24h medical service, legal assistance and protection, car assistance (which includes roadside assistance, vehicle recovery, replacement vehicle);
- Dedicated lifestyle services: free telephone information on tourism, culture, travel.
Other costs
- Commission of 0,77 € for each refuelling of an amount equal to or greater than 100.00 euros made in Italy;
- 2% commission on foreign exchange transactions different of the Euro to be added to the current Exchange Rate;
- Annual membership fee of 12 € for registration (optional) at the Montepaschi Club.
Target: to whom they turn
The Montepaschi Gold credit card, like all credit cards of this institution, can only be requested by those who have a bank account in the same bank.
How to apply for MPS gold credit card
If you are already an MPS account holder, you can request the Paper gold MPS (or (o) MPS One Gold card if you have a One MPS account) also online, or by going to the counter. If you do not yet have a bank account at the bank, you will need to make an appointment and go to the branch first to proceed with the opening of the account.
The card is valid for 3 years and is automatically renewed, unless you express your willingness not to renew it. If you no longer want the card or want to replace it with another MPS product, you can exercise the right of withdrawal by respecting the timing and methods established by the bank.
Type of management
You can check your charges with your MPS gold credit card at any time using SMS Alert services and the online statement of your internet and mobile banking.
Monte dei Paschi di Siena is safe
Banca Monte dei Paschi di Siena, or MPS, is the oldest banking institution in Europe and the fourth largest banking group in Italy.
Nevertheless, it has suffered many crises in recent years. The last, after the rescue by the State that holds 68% of the shares, took place in recent months, resulting in the closure of about 50 branches, so much so that the hypothesis of a merger / sale of this centuries-old institute to Unicredit had been ventilated.
Opinions on credit card MPS gold
MPS Gold Card is a credit card that undoubtedly has some advantages in the face of an annual expense that is in line with that of the main premium and gold cards.
However, some people may find the standard ceilings of the bank a bit tight. How to increase credit card limit Mps? Until recently it was possible to do so both by browser and by App in this way:
- From the browser, go to the main menu, then on Cards, scroll down and in the “Current Paper Maximums” section use “Edit”: here you will find a summary of the Standard and Extra mode, which allows you to have the upper spending limits;
- From App instead you immediately access Conti e carte: moving from the accounts to the cards with a simple swipe (slide) choose the debit / credit card you are interested in, go to “Dettaglio” and click on “Manage card to vary the ceilings”.
However, it should be noted that from 9 October 2021 this feature is temporarily suspended.
Last note, Monte dei Paschi also had a Single Gold Card, to be confused with MPS Gold Paper, since unlike the latter the latter was a revolving card that also allowed the reimbursement in installments.
