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Banca Mediolanum — Italian retail bank headquartered in Basiglio with a flagship Family Banker advisory model, supervised by Banca d'Italia.

HQ
Basiglio
Customers
1.7M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Banca Mediolanum current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Banca Mediolanum are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Banca Mediolanum account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Not yet supported

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Esselunga
  • Coop
  • Eni Plenitude
  • Autostrade per l'Italia
  • Trenitalia
  • Amazon
  • Booking.com
  • Apple

Detected subscriptions

  • Netflix
  • Spotify
  • DAZN
  • Disney+
  • TIM
  • Sky Italia

  • How much sits across my Mediolanum conto and any exposed investment products today?
  • List every recurring DAZN, Sky and TIM payment on my Mediolanum account.
  • Compare my Mediolanum SelfyConto spend with my other current account.
  • What's the next direct debit due on my Mediolanum account?

Does Bank AI move money on my Banca Mediolanum account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Banca Mediolanum. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Banca Mediolanum app.

How does Bank AI connect to Banca Mediolanum?

Banca Mediolanum exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Will my Mediolanum advisory portfolio show up in Bank AI?

Where Banca Mediolanum exposes investment-product holdings via PSD2, Bank AI surfaces them alongside the current account. Where the holdings sit only inside the advisory product (not exposed via PSD2), Bank AI shows the cash leg only.

What about my Mediolanum Conto Riflex and Conto Espresso?

Both are Mediolanum current-account variants and are read identically - the connection is at account level. Tier-specific fees are detected as recurring outflows.

Does Bank AI work with Mediolanum SelfyConto?

Yes. SelfyConto exposes the standard PSD2 endpoints, and Bank AI reads it as a normal current account. Card spend is auto-categorised on the same taxonomy as your other banks.

What happens if Banca Mediolanum raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Banca Mediolanum-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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