Which business card in Italy has the lowest fees?

If you mean a business expense card for a company in Italy, Wallester Business Free appears to have the lowest ongoing fees among the options I checked: €0/month, with up to 300 virtual cards and physical-card issuance included. Standard delivery for a physical card costs €5. (wallester.com)

Watch for the costs that can change the comparison: ATM withdrawals cost 2% (minimum €2), and payments in a currency other than the account currency incur the Visa exchange rate plus 2%. (wallester.com)

So it’s a strong low-cost choice if you mainly make euro purchases and want expense-management cards. If by “business card” you mean a credit card or a POS card reader for accepting customer payments, tell me which—the cheapest option will be different.

There's no single cheapest business card in Italy, because the answer depends on whether you withdraw cash, spend abroad, or need many cards. The most common zero-monthly-fee options are Finom, Wallester, Vivid Money, and Qonto (on certain plans).

• Finom: The business card, on the Visa network, has a free monthly fee and no activation costs. Withdrawals are free up to €500 on the base plan.
• Wallester: Its free base plan lasts for life and includes 300 cards. Its ATM withdrawals cost €2 in several comparisons (a comparison table from May 2026 lists this). Its spending limit is also high, at €25,000 per month in one listing.
• Vivid Money: Its base plan is free, but the withdrawal fee is inconsistent across sources. One listing gives 2% for ATM withdrawals, while a January 2026 comparison gives 1%.
• Qonto: Its monthly fee depends on the plan. One listing shows from €9 per month, while a more recent comparison lists it as free depending on the plan.

Some options cost money every month. Tot's card costs €7 per month and charges 3.99% on withdrawals. American Express's Carta Oro Business is free for the first year and then costs €17 per month.

For most small businesses that rarely withdraw cash, Finom or Wallester are the strongest free options. Wallester may suit you best if you need many cards. Check current pricing on each provider's site before applying, because these figures change often and the sources I found disagree on some details.

To clarify, "business card" can refer to two very different things: physical printed marketing cards and corporate payment cards (credit/debit/prepaid). Depending on which you need, here is the information for the Italian market as of October 2026.

1. Printed Marketing Business Cards

If you are looking for the lowest fees/prices for printing physical business cards, several online services offer highly competitive rates in Italy.

• Budget Options: Sites like Bizay often advertise very low starting prices (e.g., hundreds of cards for under €10). Pixartprinting and MyTicketprinting are also popular, reliable choices for cost-effective, high-quality printing with various paper and finish options.
• Custom & Premium: If you need design services or premium materials, MOO is a well-known option, while local printers like Eliocenter (Milan) or Pettinaroli offer more bespoke, traditional printing.
• Digital Alternatives: For a one-time fee, you can purchase NFC/QR-based cards (e.g., from Lets Connect Card) which eliminate recurring printing costs because you can update your digital profile whenever your information changes.

2. Corporate Payment Cards (Credit/Debit)

If you are looking for the business card for payments with the lowest fees, the landscape is dominated by fintech providers that typically offer lower costs and better digital integration than traditional Italian banks.

• Top Low-Cost Options: Many modern business accounts offer cards with low or no monthly fees, often coupled with expense management software. Popular providers in Italy include:
  • Qonto: Widely used by SMEs and freelancers for its integrated expense management and competitive pricing.
  • Revolut Business: Known for multi-currency support and excellent control over team cards (virtual and physical).
  • Finom: Offers strong integration between banking and accounting, with cashback features that can help offset management costs.
  • Tot: Offers a business credit card specifically designed for Italian professionals and businesses, often included in their subscription plans.
  • Vivid Money: Known for flexible spending limits and cashback programs.

How to find the "lowest fee" payment card:

• Avoid traditional "Credit" cards if possible: Traditional bank-issued credit cards often carry high annual fees. Prepaid or "Debit" business cards from the fintechs listed above are usually much cheaper or free to maintain.
• Look for Cashback: If you have high spending volume, a card with a cashback program (like those offered by Finom, Tot, or Vivid) can effectively make the card "cheaper" than a card with a zero-fee structure but no rewards.
• Compare "All-in" Costs: Don't just look at the annual fee. Check the costs for currency conversion (important if you trade internationally), ATM withdrawals, and issuing additional cards for employees.

If you mean a business debit card for everyday spending, N26 Business Standard appears to be the lowest-fee option among the results: it has no monthly fee and includes a virtual debit card. Its free plan is aimed at freelancers and self-employed people, so check that it suits your business structure. ¹

For a physical card, Wise Business offers the first card at no subscription cost; ATM withdrawals are free up to €250 per month, then cost 2.69% on the excess. ²

There isn’t one cheapest card for every use: foreign-currency spending, cash withdrawals, and eligibility can change the answer. What matters most to you—no monthly fee, a physical card, or low fees abroad?

¹ N26 Business plans
² Wise Business card fees