Nemea Debit Card with zero fees forever

Free debit card with 3% cashback

  • Get your Nemea Debit Card, physical or digital, with no costs ever.
  • Enjoy 3% cashback on all your purchases for the first six months.

Earn more with your Nemea Current Account

Open your zero-fee Nemea Account and benefit from a 3% gross interest rate on your balance.
No conditions: no salary deposit, no minimum balance, and no commitment required.
Take advantage of the 3% interest for the first six months, and afterward, your money will continue to earn with guaranteed long-term remuneration.

You shop and we pay you back

Enjoy 3% cashback every month for the first six months after making your initial debit card purchase. Receive your refund straight into your account. Applies to all purchases made with your physical or digital card, up to a monthly limit of €280.

Flexible payments with Pay&Plan

Decide how and when to pay for your purchases with the Debit Card by breaking the total into easy monthly installments.
You can set this up directly in the app, splitting purchases from the last three months into 3, 5, or 10 monthly payments.

Transactions at zero cost with the Debit Card

Pay whenever and wherever you like

Add your Debit Card to your digital wallet directly through the app. Make online purchases and enjoy fast, contactless payments in stores with Samsung Pay, Google Pay, or Apple Pay.

Enjoy full flexibility with the BBVA Credit Card

  • No annual fee for the first year.
  • Spread out your payments and manage your operations with ease.
  • Receive 20% cashback on all purchases during your first month.

Shop with your Debit Card and take part in our prize draws

Win amazing rewards by joining the 2026 Buy & Win raffles**.
You might be one of the lucky winners!

Fortnightly draws for 100 Amazon.it Gift Cards worth €50 each*.
Exclusive quarterly draws with major prizes, the next one is a Lombardo Bikes electric mountain bike valued at €8,999.
Even more exciting rewards are on the way!

Do you need more information?

What distinguishes a physical card from a virtual one?

A virtual debit or credit card works in the same way as a standard bank card. The main difference is that it doesn’t exist in physical form — all transactions are managed directly through the app.

A credit card lets you make purchases even if you don’t currently have the funds, since the amount will be billed the following month.
A debit card allows you to pay or withdraw money using the balance in your account, with the amount deducted immediately.
A prepaid card works with money you load onto it in advance; your spending is taken from that balance, and it doesn’t have to be linked to your checking account. Explore more features of these cards.

Yes. While waiting for your physical debit card to arrive, you can make payments with a virtual card. Just add it to a payment app like Apple Pay, Google Pay, or Samsung Pay.

For online shopping, enter the card number and expiration date available in the app. You can also generate a Dynamic CVV within the app.
For in-store purchases, open your digital wallet, choose the Debit Card, and hold your phone near the contactless POS terminal. The payment is processed instantly.

Yes. You can withdraw up to €300 from ATMs that support Apple Pay, Google Pay, or Samsung Pay. First, make sure your debit card is added to your digital wallet. The ATM may request your card PIN — if you don’t remember it, you can check it directly in the app.