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            <loc>https://www.viseca.ch/it/clienti-aziendali/servizi/assicurazioni/ritardo-del-bagaglio</loc>
            <lastmod>2026-06-23</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/google-pay-verwalten-it/ho-perso-il-mio-dispositivo-mobile-su-cui-e-attivata-google-pay-cosa-devo-fare</loc>
            <lastmod>2024-05-24</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/fitbit-pay-verwalten-it/ho-perso-il-mio-smartwatch-cosa-devo-fare</loc>
            <lastmod>2021-01-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/garmin-pay-verwalten-it/ho-perso-il-mio-smartwatch-cosa-devo-fare</loc>
            <lastmod>2021-01-29</lastmod>
            
            
        </url><url>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/swatch-pay-verwalten-it/ho-perso-il-mio-orologio-swatchpay!-cosa-devo-fare</loc>
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        </url><url>
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        </url><url>
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            <lastmod>2021-01-14</lastmod>
            
            
        </url><url>
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        </url><url>
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            <lastmod>2021-01-14</lastmod>
            
            
        </url><url>
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        </url><url>
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            <lastmod>2021-01-29</lastmod>
            
            
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            <loc>https://www.viseca.ch/it/servizi-digitali/mobile-payment</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/dove-trovo-la-panoramica-delle-tasse-it</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/richiesta-della-carta/dove-posso-ordinare-una-carta-di-credito,-una-mastercard-flex,-una-debit-mastercard-o-una-carta-prep</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/richiesta-della-carta/dove-posso-ordinare-una-carta-di-credito,-una-mastercard-flex,-una-debit-mastercard-o-una-carta-prep</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/numero-di-conto-della-carta/perche-ho-bisogno-del-numero-di-conto-della-carta</loc>
            <lastmod>2024-09-11</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-26</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-15</loc>
            <lastmod>2025-09-17</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-3</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01_07</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-6</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-12</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-17</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-9</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-12</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-13</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-14</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-15</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-20</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/gioco-d-azzardo/vincite-da-gioco-d-azzardo/ho-vinto-su-una-piattaforma-di-gioco-d’azzardo-all’estero-e-vorrei-che-la-vincita-fosse-versata-sull</loc>
            <lastmod>2022-10-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/non-conosco-il-codice-pin-della-mia-carta-cosa-posso-fare</loc>
            <lastmod>2021-12-06</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/non-conosco-il-codice-pin-della-mia-carta-cosa-posso-fare</loc>
            <lastmod>2021-12-06</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/vorrei-devo-versare-subito-dei-soldi-sulla-mia-carta-come-posso-fare</loc>
            <lastmod>2022-06-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/vorrei-devo-versare-subito-dei-soldi-sulla-mia-carta-come-posso-fare</loc>
            <lastmod>2022-06-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/il-supplemento-per-il-pagamento-con-carta-(surcharge)-e-consentito-in-svizzera</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/il-supplemento-per-il-pagamento-con-carta-(surcharge)-e-consentito-in-svizzera</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/programmi-bonus/posso-essere-iscritto-a-piu-programmi-premi-con-la-mia-carta-di-credito</loc>
            <lastmod>2020-02-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/programmi-bonus/posso-essere-iscritto-a-piu-programmi-premi-con-la-mia-carta-di-credito</loc>
            <lastmod>2020-02-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/quando-pago-senza-contatto-devo-inserire-il-codice-nip</loc>
            <lastmod>2020-12-21</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/quando-pago-senza-contatto-devo-inserire-il-codice-nip</loc>
            <lastmod>2020-12-21</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/i-rivenditori-e-le-offerte-sono-affidabili</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/i-rivenditori-e-le-offerte-sono-affidabili</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/quando-e-addebitata-la-tassa-annuale</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/quando-e-addebitata-la-tassa-annuale</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/smarrimento-della-carta/quanto-costa-far-bloccare-una-carta</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/smarrimento-della-carta/quanto-costa-far-bloccare-una-carta</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/modifica-dei-dati-personali/cosa-devo-osservare-se-desidero-cambiare-indirizzo</loc>
            <lastmod>2025-06-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/modifica-dei-dati-personali/cosa-devo-osservare-se-desidero-cambiare-indirizzo</loc>
            <lastmod>2025-06-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/moneysend/quali-tasse-o-commissioni-sono-previste-per-la-ricezione-di-denaro-tramite-il-servizio-moneysend</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/prelievo-di-contanti/a-quanto-ammontano-le-tasse-per-prelevare-contanti</loc>
            <lastmod>2022-04-21</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/prelievo-di-contanti/a-quanto-ammontano-le-tasse-per-prelevare-contanti</loc>
            <lastmod>2022-04-21</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/contestazione/cosa-devo-fare-per-contestare-un-addebito-dopo-aver-smarrito-la-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/contestazione/cosa-devo-fare-per-contestare-un-addebito-dopo-aver-smarrito-la-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/cosa-devo-fare-per-richiedere-una-carta-sostitutiva</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/cosa-devo-fare-per-richiedere-una-carta-sostitutiva</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-devo-fare-per-sapere-a-quanto-ammonta-il-mio-limite-attuale</loc>
            <lastmod>2025-06-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-devo-fare-per-sapere-a-quanto-ammonta-il-mio-limite-attuale</loc>
            <lastmod>2025-06-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/come-faccio-a-riconoscere-le-e-mail-di-phishing</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/come-faccio-a-riconoscere-le-e-mail-di-phishing</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/3-d-secure/come-funziona-3-d-secure-per-i-pagamenti-online</loc>
            <lastmod>2026-02-17</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/3-d-secure/come-funziona-3-d-secure-per-i-pagamenti-online</loc>
            <lastmod>2026-02-17</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/pagamento-rateale/a-quando-ammonta-l-importo-minimo-per-il-pagamento-rateale</loc>
            <lastmod>2022-10-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/procura/cosa-devo-fare-per-dare-una-procura-a-un-altra-persona-(p-es-durante-un-assenza-prolungata-all-este</loc>
            <lastmod>2019-12-18</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/procura/cosa-devo-fare-per-dare-una-procura-a-un-altra-persona-(p-es-durante-un-assenza-prolungata-all-este</loc>
            <lastmod>2019-12-18</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/richiesta-della-carta/quanto-tempo-richiede-il-trattamento-della-richiesta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/richiesta-della-carta/quanto-tempo-richiede-il-trattamento-della-richiesta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/flying-blue/cosa-devo-fare-per-raccogliere-le-miglia-flying-blue</loc>
            <lastmod>2024-11-04</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/bonus-sul-volume/di-quanto-si-riduce-la-tassa-annuale</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/bonus-sul-volume/di-quanto-si-riduce-la-tassa-annuale</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/perche-non-ho-ricevuto-nessun-conteggio-questo-mese</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/perche-non-ho-ricevuto-nessun-conteggio-questo-mese</loc>
            <lastmod>2021-04-13</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/sconti/hertz/quanto-sconto-riesco-a-ottenere</loc>
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            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/dove-trovo-i-dettagli-sulla-conversione-della-valuta</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/numero-di-conto-della-carta/dove-trovo-il-numero-di-conto-della-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
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            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/one-servizi-digitali/smart-data-online/dove-posso-accedere-a-smart-data-online</loc>
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            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-20</loc>
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            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-11</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-12</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-it</loc>
            <lastmod>2025-09-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-47</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-13</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-14</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-21</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-22</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-15</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-18</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-23</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-24</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-21</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-29</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-25</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-24</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-27</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-26</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-27</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-32</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-35</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-38</loc>
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        </url><url>
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            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/04-01-16</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01_00-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/ho-pagato-la-mia-fattura-perche-la-mia-carta-rimane-comunque-bloccata</loc>
            <lastmod>2022-04-12</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/ho-pagato-la-mia-fattura-perche-la-mia-carta-rimane-comunque-bloccata</loc>
            <lastmod>2022-04-12</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/l’applicazione-di-un-supplemento-per-il-pagamento-con-carta-e-vietato-dalla-legge</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/l’applicazione-di-un-supplemento-per-il-pagamento-con-carta-e-vietato-dalla-legge</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/numero-di-conto-della-carta/l’avere-disponibile-sul-conto-della-carta-di-credito-o-prepaid-presso-viseca-e-sufficientemente-prot</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/il-mio-computer-e-affidabile</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/il-mio-computer-e-affidabile</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/3-d-secure/devo-registrarmi-per-poter-usufruire-di-3-d-secure</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/3-d-secure/devo-registrarmi-per-poter-usufruire-di-3-d-secure</loc>
            <lastmod>2026-02-17</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/perche-applicate-una-tassa-per-l-invio-della-fattura-cartacea</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/perche-applicate-una-tassa-per-l-invio-della-fattura-cartacea</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-si-intende-per-limite-globale</loc>
            <lastmod>2022-05-19</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-si-intende-per-limite-globale</loc>
            <lastmod>2022-05-19</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/quanto-costa-una-carta-sostitutiva</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/quanto-costa-una-carta-sostitutiva</loc>
            <lastmod>2023-12-07</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/moneysend/quali-tasse-o-commissioni-sono-previste-per-l’invio-di-denaro-tramite-il-servizio-moneysend</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/quale-corso-di-cambio-utilizza-viseca-card-services-sa-per-la-conversione-delle-valute-estere</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/quale-corso-di-cambio-utilizza-viseca-card-services-sa-per-la-conversione-delle-valute-estere</loc>
            <lastmod>2024-09-04</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/bonus-sul-volume/quali-sono-i-requisiti-per-usufruire-del-bonus-sul-volume</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/bonus-sul-volume/quali-sono-i-requisiti-per-usufruire-del-bonus-sul-volume</loc>
            <lastmod>2025-07-10</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/cosa-devo-fare-per-ottenere-una-copia-della-fattura-relativa-alla-carta-di-credito-o-del-conteggio-r</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/cosa-devo-fare-per-ottenere-una-copia-della-fattura-relativa-alla-carta-di-credito-o-del-conteggio-r</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/flying-blue/per-cosa-si-possono-utilizzare-le-miglia-flying-blue</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/procura/cosa-devo-fare-per-conferire-procure-per-aziende</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/procura/cosa-devo-fare-per-conferire-procure-per-aziende</loc>
            <lastmod>2022-08-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/design-personalizzato/cosa-devo-fare-per-passare-dalla-business-card-argento-a-una-carta-dal-design-personalizzato</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/cosa-devo-fare-per-proteggere-la-carta-e-i-dati-della-carta-da-un-abuso</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/cosa-devo-fare-per-proteggere-la-carta-e-i-dati-della-carta-da-un-abuso</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/dove-posso-pagare-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/dove-posso-pagare-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
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            <lastmod>2025-04-29</lastmod>
            
            
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            <lastmod>2025-04-29</lastmod>
            
            
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            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/04-01-27</loc>
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            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-9</loc>
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            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_01-it</loc>
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            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/la-mia-carta-e-danneggiata-cosa-posso-fare</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/perche-non-e-possibile-ricevere-il-conteggio-per-e-mail</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/perche-non-e-possibile-ricevere-il-conteggio-per-e-mail</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-si-intende-per-limite-della-carta</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-si-intende-per-limite-della-carta</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/cos-e-il-phishing</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/cos-e-il-phishing</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/a-cosa-devo-fare-attenzione-quando-pago-con-il-codice-nip</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/a-cosa-devo-fare-attenzione-quando-pago-con-il-codice-nip</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/quali-alternative-ho-a-disposizione-se-non-accetto-di-pagare-la-tassa-per-l-invio-della-fattura-cart</loc>
            <lastmod>2022-05-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/quali-alternative-ho-a-disposizione-se-non-accetto-di-pagare-la-tassa-per-l-invio-della-fattura-cart</loc>
            <lastmod>2022-05-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/moneysend/quale-funzionalita-offre-oggi-moneysend</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/bonus-sul-volume/cosa-viene-preso-in-considerazione-per-il-bonus-sul-volume</loc>
            <lastmod>2025-07-10</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/bonus-sul-volume/cosa-viene-preso-in-considerazione-per-il-bonus-sul-volume</loc>
            <lastmod>2025-07-10</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/quale-data-e-rilevante-per-la-conversione-delle-transazioni-in-valuta-estera</loc>
            <lastmod>2022-11-30</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/quale-data-e-rilevante-per-la-conversione-delle-transazioni-in-valuta-estera</loc>
            <lastmod>2022-11-30</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/chi-riscuote-il-supplemento-per-il-pagamento-con-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/chi-riscuote-il-supplemento-per-il-pagamento-con-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/come-faccio-a-sapere-se-la-mia-carta-e-abilitata-ai-pagamenti-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/come-faccio-a-sapere-se-la-mia-carta-e-abilitata-ai-pagamenti-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/come-faccio-a-verificare-se-se-mi-trovo-nel-sito-giusto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/come-faccio-a-verificare-se-se-mi-trovo-nel-sito-giusto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/dove-posso-trovare-le-sezioni-di-pagamento-qr</loc>
            <lastmod>2022-04-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/dove-posso-trovare-le-sezioni-di-pagamento-qr</loc>
            <lastmod>2022-04-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/04-01-35</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/04-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-4</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-1</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/07-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/07-01-17</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/e-possibile-richiedere-il-rimborso-del-supplemento-per-il-pagamento-con-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/e-possibile-richiedere-il-rimborso-del-supplemento-per-il-pagamento-con-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/cosa-si-intende-per-conteggio-collettivo</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/cosa-si-intende-per-conteggio-collettivo</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/cosa-devo-osservare-per-i-resi</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/cosa-devo-osservare-per-i-resi</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/quali-tasse-si-pagano-sulle-transazioni-in-valuta-estera</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/quali-tasse-si-pagano-sulle-transazioni-in-valuta-estera</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/cosa-devo-fare-per-modificare-la-mia-relazione-bancaria</loc>
            <lastmod>2022-04-21</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/cosa-devo-fare-per-modificare-la-mia-relazione-bancaria</loc>
            <lastmod>2022-04-21</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/come-faccio-a-sapere-se-posso-pagare-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/come-faccio-a-sapere-se-posso-pagare-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/come-contatta-viseca-i-propri-clienti,-e-quali-misure-di-sicurezza-segue</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/come-contatta-viseca-i-propri-clienti,-e-quali-misure-di-sicurezza-segue</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/prelievo-di-contanti/quanto-denaro-contante-e-possibile-prelevare-con-la-carta-di-debito-con-la-funzione-di-debito-di-u</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/prelievo-di-contanti/quanto-denaro-contante-e-possibile-prelevare-con-la-carta-di-debito-con-la-funzione-di-debito-di-u</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/com-e-indicata-la-tassa-amministrativa-sulle-transazioni-in-valuta-estera-e-le-transazioni-estere</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/com-e-indicata-la-tassa-amministrativa-sulle-transazioni-in-valuta-estera-e-le-transazioni-estere</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/come-mai-non-posso-piu-effettuare-pagamenti-con-la-firma</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/come-mai-non-posso-piu-effettuare-pagamenti-con-la-firma</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-16</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-16</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-16</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-16</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-9</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
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            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01_00-4</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
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            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-1</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/06-01-1</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01-10</loc>
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        </url><url>
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            <lastmod>2026-04-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/vi-e-un-numero-massimo-di-pagamenti-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/vi-e-un-numero-massimo-di-pagamenti-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/vorrei-devo-versare-subito-dei-soldi-sulla-mia-carta-come-posso-fare-it</loc>
            <lastmod>2022-06-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/vorrei-devo-versare-subito-dei-soldi-sulla-mia-carta-come-posso-fare-it</loc>
            <lastmod>2022-06-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/il-documento-informativo-puo-essere-inviato-a-un-indirizzo-individuale</loc>
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        </url><url>
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        </url><url>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/cos-e-un-punto-di-accettazione-estero</loc>
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        </url><url>
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        </url><url>
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            <lastmod>2022-05-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/cosa-devo-fare-all’estero</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/cosa-devo-fare-all’estero</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/cosa-bisogna-fare-se-viene-addebitato-un-supplemento-per-il-pagamento-con-carta</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/cosa-bisogna-fare-se-viene-addebitato-un-supplemento-per-il-pagamento-con-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/07-01-it</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/07-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/07-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/numero-della-carta-di-validita/cos-e-il-codice-cvc-o-cvv</loc>
            <lastmod>2022-05-19</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/cos-e-una-transazione-in-valuta-estera</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/one-servizi-digitali/carta-virtuale-monouso/cos’e-la-carta-virtuale-monouso</loc>
            <lastmod>2026-01-06</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/surprize/programma-bonus-surprize/che-cos-e-surprize</loc>
            <lastmod>2021-06-24</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/cosa-devo-fare-se-ho-ricevuto-un-e-mail-di-phishing</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/modifica-dei-dati-personali/cosa-devo-osservare-se-desidero-cambiare-il-nome</loc>
            <lastmod>2025-06-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/punti-di-accettazione/cosa-sono-i-punti-di-accettazione-e-come-sono-contrassegnati</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/procura/cosa-e-autorizzato-a-fare-il-mandatario</loc>
            <lastmod>2019-12-18</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/programmi-bonus/quali-programmi-premi-sono-disponibili-per-la-mia-carta</loc>
            <lastmod>2020-02-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/flying-blue/quali-sono-i-requisiti-per-raccogliere-le-miglia-flying-blue</loc>
            <lastmod>2020-02-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/chi-risponde-in-caso-di-abuso-della-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/come-riconosco-un-supplemento-per-il-pagamento-con-carta-(surcharge)-dov’e-indicato</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/3-d-secure/come-funziona-3-d-secure-per-i-pagamenti-online</loc>
            <lastmod>2026-02-17</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-devo-fare-per-aumentare-il-limite</loc>
            <lastmod>2025-06-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/carte-d-acquisto/cosa-devo-fare-per-richiede-una-carta-d-acquisto</loc>
            <lastmod>2022-05-19</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/carte-viaggi/cosa-devo-fare-per-richiede-una-carta-viaggi</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/contestazione/cosa-devo-fare-per-contestare-un-addebito-ingiustificato</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/carta-supplementare/cosa-devo-fare-per-richiedere-una-carta-supplementare</loc>
            <lastmod>2022-05-19</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/design-personalizzato/cosa-devo-fare-per-richiedere-una-carta-con-immagine-e-logo</loc>
            <lastmod>2024-11-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/addebitamento-diretto-(lsv)/cosa-devo-fare-per-pagare-la-fattura-della-mia-carta-di-credito-con-lsv</loc>
            <lastmod>2025-08-28</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/one-servizi-digitali/smart-data-online/cosa-devo-fare-per-richiedere-smart-data-online</loc>
            <lastmod>2019-12-18</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/quanto-dura-la-consegna-di-una-carta-sostitutiva-in-svizzera-e-all-estero</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/pagamento-rateale/cosa-devo-fare-per-attivare-l-opzione-di-pagamento-rateale</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/bonus-sul-volume/cosa-devo-fare-per-usufruire-del-bonus-sul-volume</loc>
            <lastmod>2025-07-10</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/sconti/hertz/cosa-devo-fare-per-usufruire-degli-sconti-di-hertz</loc>
            <lastmod>2025-09-18</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/sconti/mywine/cosa-devo-fare-per-usufruire-degli-sconti-da-mywine</loc>
            <lastmod>2020-02-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/prelievo-di-contanti/quanto-denaro-in-contanti-e-possibile-prelevare-con-la-carta-di-credito</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/dove-trovo-la-panoramica-delle-tasse-it</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/richiesta-della-carta/dove-posso-ordinare-una-carta-di-credito,-una-mastercard-flex,-una-debit-mastercard-o-una-carta-prep</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/numero-di-conto-della-carta/perche-ho-bisogno-del-numero-di-conto-della-carta</loc>
            <lastmod>2024-09-11</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/02-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-it</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-12</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-17</loc>
            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-13</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-14</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-15</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-20</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/02-01-30</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/05-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/carte-viaggi/la-copertura-assicurativa-per-il-viaggiatore-vale-anche-se-il-pagamento-e-stato-effettuato-con-la-ca</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/gioco-d-azzardo/vincite-da-gioco-d-azzardo/ho-vinto-su-una-piattaforma-di-gioco-d’azzardo-all’estero-e-vorrei-che-la-vincita-fosse-versata-sull</loc>
            <lastmod>2022-10-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/codice-pin/non-conosco-il-codice-pin-della-mia-carta-cosa-posso-fare</loc>
            <lastmod>2021-12-06</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/vorrei-devo-versare-subito-dei-soldi-sulla-mia-carta-come-posso-fare</loc>
            <lastmod>2022-06-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/il-supplemento-per-il-pagamento-con-carta-(surcharge)-e-consentito-in-svizzera</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/programmi-bonus/posso-essere-iscritto-a-piu-programmi-premi-con-la-mia-carta-di-credito</loc>
            <lastmod>2020-02-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/quando-pago-senza-contatto-devo-inserire-il-codice-nip</loc>
            <lastmod>2020-12-21</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/3-d-secure/devo-registrarmi-per-poter-usufruire-di-3-d-secure</loc>
            <lastmod>2026-02-17</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/i-rivenditori-e-le-offerte-sono-affidabili</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/quando-e-addebitata-la-tassa-annuale</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/smarrimento-della-carta/quanto-costa-far-bloccare-una-carta</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/one-servizi-digitali/carta-virtuale-monouso/quanto-costa-la-carta-virtuale-monouso</loc>
            <lastmod>2026-01-06</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/modifica-dei-dati-personali/cosa-devo-osservare-se-desidero-cambiare-indirizzo</loc>
            <lastmod>2025-06-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/moneysend/quali-tasse-o-commissioni-sono-previste-per-la-ricezione-di-denaro-tramite-il-servizio-moneysend</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/prelievo-di-contanti/a-quanto-ammontano-le-tasse-per-prelevare-contanti</loc>
            <lastmod>2022-04-21</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/contestazione/cosa-devo-fare-per-contestare-un-addebito-dopo-aver-smarrito-la-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/cosa-devo-fare-per-richiedere-una-carta-sostitutiva</loc>
            <lastmod>2025-03-20</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-devo-fare-per-sapere-a-quanto-ammonta-il-mio-limite-attuale</loc>
            <lastmod>2025-06-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/come-faccio-a-riconoscere-le-e-mail-di-phishing</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/pagamento-rateale/a-quando-ammonta-l-importo-minimo-per-il-pagamento-rateale</loc>
            <lastmod>2022-10-05</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/surprize/programma-bonus-surprize/come-posso-partecipare-al-programma-bonus-surprize-e-a-quali-condizioni</loc>
            <lastmod>2023-03-15</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/account-cliente/procura/cosa-devo-fare-per-dare-una-procura-a-un-altra-persona-(p-es-durante-un-assenza-prolungata-all-este</loc>
            <lastmod>2019-12-18</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/richiesta-della-carta/quanto-tempo-richiede-il-trattamento-della-richiesta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/flying-blue/cosa-devo-fare-per-raccogliere-le-miglia-flying-blue</loc>
            <lastmod>2024-11-04</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/bonus-sul-volume/di-quanto-si-riduce-la-tassa-annuale</loc>
            <lastmod>2025-08-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/perche-non-ho-ricevuto-nessun-conteggio-questo-mese</loc>
            <lastmod>2021-04-13</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/sconti/hertz/quanto-sconto-riesco-a-ottenere</loc>
            <lastmod>2025-09-18</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/dove-trovo-i-dettagli-sulla-conversione-della-valuta</loc>
            <lastmod>2022-05-09</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/numero-di-conto-della-carta/dove-trovo-il-numero-di-conto-della-carta</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/one-servizi-digitali/expense/dove-posso-accedere-a-expense</loc>
            <lastmod>2020-03-19</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/one-servizi-digitali/smart-data-online/dove-posso-accedere-a-smart-data-online</loc>
            <lastmod>2019-12-18</lastmod>
            
            
        </url><url>
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            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
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        </url><url>
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            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-it</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-11</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
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        </url><url>
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        </url><url>
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            <lastmod>2025-09-16</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-12</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-13</loc>
            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-47</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
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        </url><url>
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            <lastmod>2025-07-03</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-21</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-22</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-22</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-23</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-24</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-29</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-25</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
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            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/03-01-27</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
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            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
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            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
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        </url><url>
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            <lastmod>2025-03-25</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/06-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/versamento-(qr-fattura)/ho-pagato-la-mia-fattura-perche-la-mia-carta-rimane-comunque-bloccata</loc>
            <lastmod>2022-04-12</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/supplemento-per-pagamenti-con-carta-(surcharge)/l’applicazione-di-un-supplemento-per-il-pagamento-con-carta-e-vietato-dalla-legge</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/pagamento/numero-di-conto-della-carta/l’avere-disponibile-sul-conto-della-carta-di-credito-o-prepaid-presso-viseca-e-sufficientemente-prot</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/sicurezza-online/il-mio-computer-e-affidabile</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/one-servizi-digitali/carta-virtuale-monouso/posso-memorizzare-la-carta-nel-mio-wallet,-come-apple-pay-o-google-pay</loc>
            <lastmod>2026-01-06</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/tasse/perche-applicate-una-tassa-per-l-invio-della-fattura-cartacea</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-si-intende-per-limite-globale</loc>
            <lastmod>2022-05-19</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/quanto-costa-una-carta-sostitutiva</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/moneysend/quali-tasse-o-commissioni-sono-previste-per-l’invio-di-denaro-tramite-il-servizio-moneysend</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/surprize/programma-bonus-surprize/quali-partner-offrono-buoni-e-quali-sono-i-premi-materiali-acquistabili</loc>
            <lastmod>2020-02-27</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/valuta-estera/quale-corso-di-cambio-utilizza-viseca-card-services-sa-per-la-conversione-delle-valute-estere</loc>
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        </url><url>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/conteggio-pagamento/conteggio/conteggio/cosa-devo-fare-per-ottenere-una-copia-della-fattura-relativa-alla-carta-di-credito-o-del-conteggio-r</loc>
            <lastmod>2021-01-08</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/programmi-bonus/flying-blue/per-cosa-si-possono-utilizzare-le-miglia-flying-blue</loc>
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        </url><url>
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        </url><url>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/cosa-devo-fare-per-proteggere-la-carta-e-i-dati-della-carta-da-un-abuso</loc>
            <lastmod>2023-04-26</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/uso-della-carta/pagamenti-senza-contatto/dove-posso-pagare-senza-contatto</loc>
            <lastmod>2019-10-22</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/account-cliente,-one-servizi-digitali/one-servizi-digitali/carta-virtuale-monouso/​cosa-succede-dopo-aver-utilizzato-la-carta</loc>
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            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool-gk/03-01-15</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
            <loc>https://www.viseca.ch/it/general/faq-versicherungen/pool/05-01-it</loc>
            <lastmod>2025-04-29</lastmod>
            
            
        </url><url>
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            <loc>https://www.viseca.ch/it/general/faqs/kategorien/surprize-programmi-bonus/surprize/programma-bonus-surprize/la-partecipazione-al-programma-bonus-comporta-dei-costi-a-mio-carico</loc>
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            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/smarrimento-della-carta/carta-sostitutiva/la-mia-carta-e-danneggiata-cosa-posso-fare</loc>
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        </url><url>
            <loc>https://www.viseca.ch/it/general/faqs/kategorien/le-carte-come-usarle/carte/limite-di-spesa/cosa-si-intende-per-limite-della-carta</loc>
            <lastmod>2022-05-19</lastmod>
            
            
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            <loc>https://www.viseca.ch/it/general/faqs/kategorien/smarrimento-della-carta-sicurezza/sicurezza/phishing/cos-e-il-phishing</loc>
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        </url><url>
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