Illimity International Debit Card Information Sheet

This document provides detailed information regarding the Illimity International Debit Card, issued by Illimity Bank S.p.A. and managed by Nexi Payments S.p.A.

About the Issuing Company

Nexi Payments S.p.A.
Address: Corso Sempione, 55 - 20149 Milan, Italy
Phone: +39 02 3488.1
Fax: +39 02 3488.4180
Registration: Milan, Monza Brianza and Lodi Companies Register
VAT Number: IT10542790968
REA Milan: 1725898
Share Capital: € 140,467,830.60
Website: www.nexi.it

About the Issuing Bank

Illimity Bank S.p.A.
Address: Via Soperga 9 - 20124 Milan, Italy
Phone: 02.82849660
Website: www.illimitybank.com
PEC: illimity@pec.illimity.com
Registered with the Bank of Italy under number 5710.
Part of the Illimity Bank Group, registered under number 245.
Adheres to the Interbank Deposit Protection Fund and the National Guarantee Fund.
Supervised by Banca d'Italia.

Service Features and Risks

The Illimity International Debit Card is a payment instrument for consumers that allows transactions at merchants participating in international circuits, including online purchases, and cash withdrawals at enabled ATMs worldwide. The card is linked to your current account.

The card is issued by Illimity Bank and managed by Nexi, which handles operational aspects and holds licenses for international circuits.

Key Features:

Purchases at participating merchants, including online.
Cash withdrawals at ATMs.
Associated services may include multi-risk insurance and 3D Secure fraud protection.

Principal Risks:

Unfavorable changes in economic conditions (fees and charges).
Fraudulent use by third parties if the card and PIN are lost, stolen, or compromised. Extreme care is advised for card and PIN security.
Use of the card on websites lacking security protocols.
Exchange rate variations for non-Euro transactions.
Inability to revoke payment operations once authorized, except under specific contract terms.
Reporting of irregular card use or payment delays to credit reporting agencies (CAI), which may affect future credit access.

Economic Conditions

Annual Fee: €0

Monthly Usage Limits:

Up to €3,000 upon card issuance.
Maximum limit of €5,000 for the product.
Limit changes can be requested via online services and are subject to bank approval.

Interest on Late Payments: Not applicable.

Fees for Cash Withdrawals:

At ATMs in Italy (other banks):
- For "Conto illimity - pacchetto Smart", "Conto illimity in convenzione – pacchetto Smart", "Conto illimity – pacchetto Classic":
- For "Conto illimity - pacchetto Plus", "Conto illimity in convenzione – pacchetto Plus", "Conto illimity – pacchetto Premium":
- For "Conto Azimut Premium":
- For "Conto di Base": Free
At ATMs outside Italy:
- In Euro Area:
  - For "Conto illimity - pacchetto Smart", "Conto illimity in convenzione – pacchetto Smart", "Conto illimity – pacchetto Classic":
  - Withdrawals < €100: €1.50
- Outside Euro Area: €2.00
- For "Conto illimity - pacchetto Plus", "Conto illimity in convenzione – pacchetto Plus", "Conto illimity – pacchetto Premium":
- For "Conto Azimut Premium":
- For "Conto di Base": Free

Exchange Rate for Non-Euro Transactions: The exchange rate is determined at the time of conversion according to international agreements with Visa and MasterCard. The amount debited in Euros may include a bank service fee of up to 2%.

Fees for Delayed Payment: Not applicable.

Fees for Recovery of Funds for Unauthorized Transactions: Not applicable.

Fees for Revocation of Payment Consent: Not applicable.

Fees for Communication of Payment Order Refusal: Not applicable.

Card Replacement Fees:

Renewal: €0.00
Duplicate Card: €5.00
Reissue Card: €5.00

Documentation Request Fees:

Online availability (summary document): Free
Paper copy upon request: €0.55
Copy of documentation (per document): €3.50

Fuel Refill Commission: Not applicable.

Ancillary Services:

Card Blocking (loss/theft): Free
Multi-risk insurance policy: Free

Additional Services

Messaging Alerts: Free for transactions ≥ €200 (customizable down to €50).
ioSICURO Alert Service: Free SMS alerts for suspicious transactions with the option to respond.
3D Secure Anti-Fraud Protection: Free for online purchases.
Spending Control: Basic and additional functionalities are free.
Balance Inquiry: Free at enabled ATMs.
PIN Change: Free at enabled ATMs.

Account Transition

Switching to a new Illimity account package (Smart, Plus, Classic, Premium) may involve the replacement of the previous debit card contract, with the existing card continuing to be valid under the new contract terms.

Unauthorized or Incorrectly Executed Transactions

Customers must report unauthorized or incorrectly executed payment or cash withdrawal transactions to Nexi Customer Service immediately, and no later than 13 months from the debit date. Transactions are considered incorrect if not executed according to the customer's order or instructions.

Withdrawal and Complaints

Right of Withdrawal (Consumer): Consumers have a 14-day cooling-off period from the contract conclusion date or from the date of receiving contractual information to withdraw from the contract without penalty. Withdrawal notice should be sent via registered mail or certified email (PEC).

Withdrawal by the Holder: The holder can withdraw from the contract at any time without notice, penalty, or fees by sending a written communication via the online personal area, certified email, or registered mail.

Withdrawal by the Bank: The bank may withdraw with 2 months' notice for standard reasons or immediately for just cause (e.g., insolvency, protests, legal seizures, gross negligence, misrepresentation, loss of trust, or other justified reasons). Upon withdrawal, all prior obligations remain, and the card must be invalidated.

Complaints: Complaints can be submitted in writing via registered mail, certified email, or through the online personal area. The bank will respond within 15 working days, or up to 35 working days for exceptional reasons. If unsatisfied, customers may refer to the Banking and Financial Arbitrator (ABF).

Legal Information

Governing Law and Jurisdiction: The contract is drafted in Italian and governed by Italian law. For consumer disputes, the competent court is the customer's place of residence or domicile.

Legend:

Area Personale: Bank's website or App accessible via personal authentication.
ATM: Automated Teller Machine for cash withdrawals and account information.
PIN: Personal Identification Number for ATM withdrawals and electronic payments.
POS: Point of Sale terminal for card payments at merchants.

Card Blocking:
Toll-free number: 800-15.16.16
From abroad: +39.02.34980 020
USA Toll-free: 1.800.473.6896

Information/Assistance Nexi:
Automated services (24/7): 24 hours a day, 365 days a year.
Customer service (paid): 02.345444
Operator service (Mon-Fri 8:00-20:00): +39 02 34.980.020 (calls accepted at recipient's expense)
USA Toll-free: 1.800.473.6896

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