With BPM’s Youcard Business Card You can Choose Between Two Options: Deduct Card or Prepaid Card! Discover the most adaptable function to you

Index

• How much does the Youcard Business Card cost
• Other costs
• Limits of the card
• Target: to whom they turn
• How to Apply for Youcard Business Debit Card
• Type of management
• Banco Popolare di Milano is safe
• Opinions on card Youcard debit debit BPM
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How much does the Youcard Business Card cost

Let’s start by talking about the costs of Youcard Debt Banco Popolare.

This particular debit card of Banco Popolare Milano has a monthly fee of € 3.00, to be added € 15.00 for activation.

The monthly fee will be charged only in case of actual use by the card holders.

There are also special discounts both on the fee, and on the refills in case the number of Youcard business cards issued by the company and more than 10, 25, 50 or 100: the discounts provided are equal, in these cases, to 5, 10.15 and 20%.

On the other hand, there are no expenses for the extinction of the account.

Other costs

• Reloading fees at the counter with a charge in C/C: 2,00 €;
• Charging commissions electronically: € 1.00;
• Drawing fees on ATM another bank: €2.10;
• Drawing fees on ATMs other than euro currency: 2,2500 %;
• Substitution/paper renewal: 15,00 €;
• Expenditure for sending paper documentation: 1,00 €.

Limits of the card

• Annual amount for withdrawals: 50,000,00 €;
• Monthly amount for withdrawals and payments: 5.000,00 €;
• Daily amount for ATM withdrawals: € 1,000.00 – € 250.00 at institutions other than Banco BPM;
• Daily amount for POS payments: € 5.000,00;
• Daily amount for Internet payments: 10.000,00 €.

These limits are always modifiable by the holding company from the position.

Target: to whom they turn

Youcard BPM is a product born and designed for freelancers and small and medium-sized enterprises that already have a BPM current account.

In this way, for VAT holders it will no longer be a problem to provide a debit card / credit all their employees and collaborators, even for occasional uses.

How to Apply for Youcard Business Debit Card

We just have to see how it works Youcard BPM activation.

The activation request of Youcard Business must be made at the Banco BPM branch where the company has opened its current account, or through the YouBusiness Web portal.

For each request made by the company it will be possible to activate a set of cards that are all part of the same current account called: “current account of regulations”.

It is, however, allowed the company to open even more positions, but always and only at the branch where the bill is supported. Each position can have, of course, a different current account of settlement. This can be useful, for example, to manage separately assigned cards to employees belonging to different offices or business divisions.

At the time of opening a position, the company must indicate, in addition to the current settlement account, also:

• If only cards to be used in “prepaid” mode will be requested;
• If cards are also required to be required to the “debt card” function.

Finally, to conclude the opening phase of the position, the company will also have to proceed with the definition of the ceilings, in particular the “monthly recharging ceiling”, or alternatively, opt for the “no limit” setting.

Once the position has been opened, the company can proceed with the request for the cards immediately or later for the duration of the relationship.

To request the card, the company must inform the bank:

• The names of the persons to whom you intend to assign a card. It should be noted that these do not need to be employees with a company’s contract, but it is still necessary that the cards issued be used by the holders for expenses related to the company’s activity;
• The position on which the cards must be issued (in the case of a company with multiple positions);
• If the card must be enabled to operate only in prepaid mode or also in debit mode. This second option is only possible on positions already enabled to the debt function at the opening stage. A card that is born with the only qualification to operate as a prepaid, to operate subsequently in debt mode will require a contractual update by the company;
• The cost center of belonging to the owner.

After entering the names, the recipients of the cards can go to any account list of the BPM Bank to collect their card.

The cards will be delivered to them in a state to be activated and therefore not working. The company will be the company, taking over the delivery of the card in the card area of the YouBusiness Web portal, to proceed with the activation, profiling and recharging of the same.

Type of management

YouCard Business Bpm offers the company the possibility to have full visibility, through the YouBusiness Web portal, of the operations carried out with the cards through an always clear and detailed reporting.

You can also periodically download or request from the bank a file containing all the transactions made so that you always have everything under control.

In addition, all the parameters of the operation of the cards (expenditure systems, prepaid function and debit function, payments and withdrawals, POS purchases and purchases on the internet) can be controlled and / or modified in real time, so that they are always perfectly online on the profile of the holders and their different usage needs.

Also through the YouBusiness Web portal, the company also has the possibility to request the bank to block and the extinction of a card that is intended to revoke. The cardholder has the obligation, in this case, to return the card to the company or to the issuing branch.

The closure of the position must be done at times by going directly to the opening branch. In any case of need, BPM also provides the toll-free number 800,607,227, which the company owner of a position can contact from Monday to Friday from 8.30 to 18.30 in case of doubts or requests for assistance.