Bank AI
Get the app

Banca Sella — Family-owned Italian bank headquartered in Biella with a deep technology focus and a strong SME and merchant-acquiring franchise.

HQ
Biella
Customers
1M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Banca Sella 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 Sella 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 Sella 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

    Read by Bank AI

    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
  • Conad
  • Eni Plenitude
  • Trenitalia
  • Amazon
  • IKEA
  • Decathlon

Detected subscriptions

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

  • Compare my Banca Sella SME spend with my personal account this year.
  • How much have I paid in Sella card fees year to date?
  • List every recurring TIM, Vodafone and Sky payment on my Sella account.
  • What's the next Sella credit-card minimum payment due?

Does Bank AI move money on my Banca Sella account?

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

How does Bank AI connect to Banca Sella?

Banca Sella 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.

Is Hype operated by Banca Sella?

Hype is a Banca Sella + illimity joint venture, with the underlying banking licence held by Banca Sella. Bank AI reads each one as its own connection so a Hype account and a Sella account stay distinct.

Does Bank AI work with Sella SME and partita IVA accounts?

Yes. Where Banca Sella exposes business / partita IVA / freelance accounts under PSD2, they are read separately from personal accounts and tagged for clean SME reporting.

What about my Sella credit cards?

Sella credit cards are read as their own facility, with statement balances, available credit and the next direct-debit settlement date surfaced.

What happens if Banca Sella raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Banca Sella-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.

Get the app