Bank AI
Get the app

Fineco Bank — Italian online bank that pairs a flagship multi-currency conto corrente with a built-in brokerage, supervised by Banca d'Italia.

HQ
Milan
Customers
1.6M+ clients
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Fineco Bank 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 Fineco Bank 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 Fineco Bank 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

    Read by Bank AI

    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
  • Eni Plenitude
  • Trenitalia
  • Booking.com
  • Apple
  • Google
  • Ryanair

Detected subscriptions

  • Netflix
  • Spotify
  • DAZN
  • Disney+
  • TIM
  • Vodafone

  • Compare my Fineco USD-balance value against last quarter at the live mid-market rate.
  • How much have I paid in Fineco brokerage commissions year to date?
  • What's the total of my Fineco subscriptions for the next 30 days?
  • Show my Fineco conto corrente spend on Esselunga and Trenitalia this year.

Does Bank AI move money on my Fineco Bank account?

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

How does Bank AI connect to Fineco Bank?

Fineco Bank 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 Fineco brokerage positions too?

Yes. Where Fineco exposes brokerage holdings under PSD2, equity, ETF and bond positions are read alongside the conto corrente, so spending and investing are visible in one place.

Are my Fineco multi-currency balances visible separately?

Yes. Fineco's multi-currency conto corrente lets you hold EUR, USD, GBP and CHF separately. Each currency is read as a distinct balance and rolled into your home-currency total using the live FX rate.

What about the Fineco credit card?

Fineco credit cards are read as their own facility under your Fineco connection, with statement balances and the next direct-debit settlement date visible.

What happens if Fineco Bank raises a connectivity error?

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