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Credito Emiliano — Italian banking group headquartered in Reggio Emilia, founded in 1910, supervised by Banca d'Italia and the ECB, focused on private banking, wealth management and retail services.

HQ
Reggio Emilia
Customers
Founded 1910
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Credito Emiliano 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 Credito Emiliano 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 Credito Emiliano 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
  • Conad
  • Coop
  • Eurospin
  • Trenitalia
  • Autostrade
  • Amazon Italia
  • Apple

Detected subscriptions

  • DAZN
  • Sky Italia
  • Netflix
  • Spotify
  • TIM
  • Vodafone Italia

  • What's my total Credem wealth across conto corrente, dossier titoli and PIR today?
  • How exposed am I to Italian BTP government bonds across Credem and Fineco?
  • List every Credem-detected SEPA direct debit hitting next month.
  • Compare my Credem fund-fee load against my other Italian brokers.

Does Bank AI move money on my Credito Emiliano account?

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

How does Bank AI connect to Credito Emiliano?

Credito Emiliano 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 Credem dossier titoli and fund holdings?

Where Credem exposes the dossier titoli (securities account) over PSD2, Bank AI reads position-level holdings alongside the conto corrente. Mutual funds, ETFs and bonds appear with current valuations and the right tax-wrapper context.

Does Bank AI replace my Credem private banker?

No. The Credem private banker continues to advise on portfolio construction, lifecycle and execution. Bank AI is the read-only consolidation layer that pulls Credem and every other bank or broker into one daily view, with an AI assistant for everyday questions.

What about my Credem PIR and pension holdings?

PIR (Piani Individuali di Risparmio) and pension fund balances are read as distinct sub-balances when Credem exposes them over PSD2, with the wrapper tagged so the tax treatment is clear in the view.

What happens if Credito Emiliano raises a connectivity error?

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