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If you live in Poland and are looking for a simple, practical, and digital 100% card, the Provi Sm@rt Card This could be exactly what you need. Focused on expense control, mobile management, and no monthly fees, it's ideal for those who want savings and convenience.
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This card is linked to the Provi digital account and operates on a prepaid model, with the Mastercard logo and international acceptance. It can be used for online purchases, in physical stores in Poland and abroad. All management is done through the official app, with support for contactless payments via Apple Pay and Google Pay.
Advantages of the Provi Sm@rt Card
✅ International use with Mastercard
Shop worldwide with no hidden fees and transparent currency conversions.
✅ Zero Annual and Monthly Fees
No fixed fees — you only use what you load, with no extra costs.
✅ Financial Management 100% via App
Manage your balance, purchase history, account blocks, and top-ups directly from your mobile phone.
✅ Contactless Payments
Use Google Pay or Apple Pay and pay faster and more securely, directly from your mobile phone.
✅ Virtual Card Available Immediately
Ideal for online purchases, with different details than the physical card, ensuring greater protection.
✅ Simple Recharges and Total Control
Add funds at any time and track every expense in real time.
✅ No Risk of Debt or Interest
Because it's prepaid, you only spend what you load onto it. No revolving credit and no unpleasant surprises.
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Provi Sm@rt Card Fees and Terms
| Service | Current Condition |
|---|---|
| ATM withdrawals | Fixed fee per transaction (varies by location) |
| Monthly fee / Annual fee | Free of charge |
| Cashback | Not available at this time. |
| Credit limit | Based on the available balance in the account. |
| Shopping abroad | Exchange rate + standard Mastercard fee |
| Installment purchases | Not available |
| Additional cards | Not offered |
Who can apply?
Provi Sm@rt is designed for anyone who wants to have direct financial control through their mobile phone. As it is a prepaid card, There is no traditional credit analysis., and approval is contingent upon creating a digital account on Provi.
And what about those with a negative credit history?
Yes! Precisely because it doesn't offer a line of credit, Provi Sm@rt is ideal for those who want to avoid debt or already have restrictions on their CPF/PESEL (Brazilian tax identification number/social security number).
Security and Reliability
Provi offers cutting-edge technology, with multi-factor authentication, data encryption, and customer support via app. It is a well-established company in the Polish market, focused on accessible digital solutions.
Suitable for:
- For those who want to avoid interest and don't need revolving credit.
- Students and expats who need practicality.
- People who want to control their spending directly in the app.
- Users looking for an international card with no hidden fees.
Promotional Comparison – Provi Sm@rt and Other Cards in Poland
| Benefit Type | Provi Sm@rt | Other Credit Cards |
|---|---|---|
| Points or Vouchers Program | Not available | It may be available. |
| Cashback | Not offered | In some cases, available |
| Welcome Bonus | Specific campaigns for the digital account | Prices may vary depending on promotions. |
Conclusion
THE Provi Sm@rt Card It's a practical, modern solution focused on financial control. Ideal for those looking to avoid fees, track spending in real time, and use a globally accepted card—all without bureaucracy or credit checks.
If you want a digital card with no hidden fees and simple management via app, Provi Sm@rt is a smart choice.
FAQ – Frequently Asked Questions
Does Provi Sm@rt charge an annual fee or a monthly fee?
No. The card is completely free, with no monthly or maintenance fees.
Does it operate outside of Poland?
Yes, it is accepted internationally at any establishment that displays the Mastercard logo.
Do I need a Provi account?
Yes. The card is linked to the digital account, which can be opened online.
Do you offer credit or installment payment options?
No. It works like a prepaid/debit card, without access to revolving credit.