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CheBanca! — Italian retail and direct bank within the Mediobanca group, with a flagship savings franchise and a long history in fixed-term deposits.

HQ
Milan
Customers
900k+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your CheBanca! 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 CheBanca! 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 CheBanca! 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

  • Amazon
  • Esselunga
  • Coop
  • Trenitalia
  • Booking.com
  • Apple
  • Eni Plenitude
  • Decathlon

Detected subscriptions

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

  • How much sits across my CheBanca! conto and conto deposito today?
  • Compare my CheBanca! savings yield against the rate I had last quarter.
  • List every recurring direct debit on my CheBanca! account.
  • What's my CheBanca! Esselunga and Trenitalia spend this month?

Does Bank AI move money on my CheBanca! account?

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

How does Bank AI connect to CheBanca!?

CheBanca! 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 CheBanca! conto deposito and pots?

Yes. CheBanca! conto deposito balances and savings pots are read as distinct sub-balances, with maturities, rates and accrued interest surfaced where exposed.

Is CheBanca! the same as Mediobanca?

CheBanca! is operated within the Mediobanca group as a stand-alone retail brand. Bank AI reads each one as its own connection, so an existing Mediobanca private-banking relationship and a CheBanca! conto stay distinct.

What about Yellow CheBanca! and the Conto Tascabile?

Both are CheBanca! product variants and are read identically - the connection is at account level. The product's monthly fee is detected as a recurring subscription outflow.

What happens if CheBanca! raises a connectivity error?

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