How much does Postepay Evolution cost?

Postepay Evolution costs EUR 19 a year plus a EUR 5 issue fee. The typical real first-year cost is EUR 24 if requested online or in the app, and can reach EUR 27 at a post office.

Verifiable answer

Postepay Evolution costs EUR 19 a year plus a EUR 5 issue fee. The typical real first-year cost is EUR 24 if requested online or in the app, and can reach EUR 27 at a post office.

Question: How much does Postepay Evolution cost?
Average cost: €19 / year
Price range: €19 – €27
Area: Italy
Last verified: 23 July 2026
Confidence: Confidence: High
What is included: Annual Postepay Evolution card fee; Card issue in the first year; Associated IBAN for receiving transfers, salary or pension; Card spending functions and stated balance ceiling
What is not included: Outgoing transfer fees; Withdrawal fees outside the free cases; Possible top-up costs through different channels; Stamp duty or costs of other Poste products
What the price depends on: Request channel for the card; Number of outgoing SEPA transfers; Use of app and website versus post office; Number and place of withdrawals; Use as a secondary card or as the main account
Sources and methodology: 1 source

Official price versus real cost

Official price

€19

/ year

Difference+€5 (+26%)

Real cost

€24

€19 – €27

The most stable official price is the EUR 19 annual fee. The first year, however, adds the EUR 5 issue fee and an initial activation top-up that varies by channel: for a digital request the typical practical bill is EUR 24, while at a post office it can reach EUR 27. After activation, the real cost depends on transactions: transfers, withdrawals and channels used can matter more than the fee.

Short answer

Postepay Evolution should not be read as a simple prepaid card: it has an IBAN and an annual fee. The base cost is clear, but transfer, withdrawal and direct-debit fees can change the bill for anyone using it as a light current account.

Postepay Evolution is a prepaid card with an IBAN, so it sits between a reloadable card and a payment account. That hybrid position explains why many people choose it to receive salary, pension or bank transfers without opening a traditional current account, but it also explains why the price needs more attention than a normal prepaid card. The annual fee published by PostePay is EUR 19 and the card issue fee is EUR 5; in the first year the practical bill depends on the request channel and on the initial activation top-up stated by Postepay. Online or in the app, the simplest reference is EUR 24, while at a post office it can reach EUR 27. Transaction fees then matter: an outgoing SEPA transfer from the app or website costs EUR 1, from a post office EUR 3.50; some withdrawals are free, others are not. The right question is therefore not only how much it costs to activate, but how much it costs to use instead of an account.

What is included

Annual Postepay Evolution card fee
Card issue in the first year
Associated IBAN for receiving transfers, salary or pension
Card spending functions and stated balance ceiling

What is not included

Outgoing transfer fees
Withdrawal fees outside the free cases
Possible top-up costs through different channels
Stamp duty or costs of other Poste products

How the price breaks down

How the price breaks down: Postepay Evolution
Item	Type	Frequency	Typical
Annual feeRecurring cost of the Postepay Evolution card, relevant even when the card is used rarely.	Compulsory	per year	€19
Card issueOne-off card issue cost, separate from the annual fee.	Compulsory	one-off	€5
SEPA transfer from app or websiteFee for an outgoing SEPA transfer made through Postepay digital channels.	Optional	one-off	€1

What the price depends on

Request channel for the card
Number of outgoing SEPA transfers
Use of app and website versus post office
Number and place of withdrawals
Use as a secondary card or as the main account

Hidden costs

Frequent transfers: even EUR 1 from the app adds up if the card is used as the main account.
Counter operations, often more expensive than the same operations in the app or on the website.
Withdrawals from bank ATMs other than Postamat, which can have dedicated fees.
Annual fee paid even when the card is almost unused.
Confusion between the initial top-up and pure cost: not all of the initial outlay is a fee.

Three realistic scenarios

Minimal use

€19

Card already active, few movements and no relevant paid transactions: the annual cost is essentially the annual fee.

Digital first year

€24

Online or app request with issue fee and first annual fee: the simplest first-year estimate without many extra transactions.

Post-office first year

€27

Post-office request with higher initial outlay and possible later fees if physical channels continue to be used.

How to spend less

Request it online or in the app if you can: the initial outlay stated by Postepay is lower than an ordinary post-office request.
Use app and website for transfers: the listed fee is EUR 1, while counter transactions cost more.
Withdraw from Postamat ATMs when possible, as that is the most favourable channel in the stated conditions.
If you make many transfers or direct debits, compare Postepay Evolution with a zero-fee online account: the annual fee is not the only item.
Check each year whether the card still serves a purpose: EUR 19 looks small, but becomes wasted spend if the card is only a backup.

Frequently asked questions

Does Postepay Evolution cost EUR 19 or EUR 24?

The annual fee is EUR 19. In the first year you should also count the EUR 5 issue fee, so a digital request brings the practical cost to EUR 24 before any transaction fees. At a post office the initial outlay stated by Postepay can be higher. The difference comes from separating recurring fee, issue fee and initial activation top-up.

Is Postepay Evolution free if I do not use it?

No. The EUR 19 annual fee is recurring and remains due even if the card is barely used. It is one of the easiest costs to underestimate: many people keep the card as a backup, but after two or three years the accumulated fee can exceed the benefit of having it ready. If it no longer serves a purpose, closure is worth considering.

How much does a transfer cost with Postepay Evolution?

The official page lists EUR 1 for an outgoing SEPA transfer made through postepay.it or the Poste Italiane app, and EUR 3.50 if made at a post office. This item is decisive if you use the card as your main account: ten digital transfers in a year add EUR 10 to the fee, while the same transactions at the counter would cost much more.

Is Postepay Evolution better value than a current account?

It depends on how you use it. For receiving transfers, making payments and keeping a card with an IBAN, it can be convenient. If you make many transfers, withdrawals or counter transactions, fees can bring it close to or above the cost of an online account. The correct comparison is based on annual transaction count, not only on the EUR 19 fee.

Is the initial top-up all a cost?

No. The initial top-up enables the card and includes items such as issue and first annual fee, but it should not be treated entirely as a fee: part of it remains available on the card. That is why the guide separates true issue and annual fee cost from the initial outlay required by the activation channel.

Sources and methodology

How we worked it out

Costs were read on 23 July 2026 from the official Postepay Evolution page. The guide uses the EUR 19 annual fee as the recurring official price and includes the EUR 5 issue fee to estimate the first year. The initial activation top-up varies by channel: we treat it as an initial outlay, not entirely as a cost, because part of it remains available on the card. Transaction fees are listed as variables rather than added to the average price, because they depend on behaviour: transfers, withdrawals, direct debits and channel used.

Why this confidence level

Confidence is High because the annual fee, issue fee and main transaction charges are published by the official provider. The delicate part is not the base price, but usage cost: Postepay Evolution can be cheap for someone who uses it rarely and more expensive for someone using it as an account with many transactions. That is why the official price and first-year real cost are kept separate.

Annual fee of EUR 19, issue fee of EUR 5 and initial top-up requirements of EUR 22, EUR 24 or EUR 27 depending on channel
Postepay Evolution - condizioni economiche (opens in a new tab)
PostePay S.p.A. · Official tariff · Verified on 23 July 2026
Official Postepay page accessed on 23 July 2026. Used to separate the annual fee, issue fee, initial activation top-up and main transaction charges.
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