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BPER Banca — Italian retail and SME bank headquartered in Modena, supervised by Banca d'Italia, with a strong central-Italy and southern-Italy footprint.

HQ
Modena
Customers
5M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your BPER Banca 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 BPER Banca 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 BPER Banca 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
  • Q8
  • Eni Plenitude
  • Trenitalia
  • Amazon
  • Decathlon

Detected subscriptions

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

  • How much sits across my BPER conto corrente and conto deposito today?
  • List every recurring direct debit on my BPER account.
  • Compare my BPER card spend at Q8 and Eni Plenitude with last quarter.
  • What's my next BPER credit-card minimum payment due?

Does Bank AI move money on my BPER Banca account?

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

How does Bank AI connect to BPER Banca?

BPER Banca 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.

Does Bank AI surface my BPER conto deposito separately?

Yes. Conto deposito balances are read as distinct sub-balances under your BPER connection, with maturities and rates surfaced where exposed.

What about my BPER credit card?

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

Are SME / business accounts under one BPER connection too?

Yes. Where BPER exposes business / partita IVA accounts via PSD2, they appear under your BPER connection and are tagged separately for clean SME reporting.

What happens if BPER Banca raises a connectivity error?

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