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Hype — Italian digital bank operated as a Banca Sella + illimity joint venture, with a card-and-conto product targeting younger retail customers.

HQ
Milan
Customers
1.7M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Hype 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 Hype 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 Hype 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

    Not yet supported

    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
  • McDonald's
  • Glovo
  • Just Eat
  • Apple
  • Google
  • Ryanair

Detected subscriptions

  • Netflix
  • Spotify
  • DAZN
  • Disney+
  • TIM
  • Iliad

  • How much have I saved into my Hype salvadanaio over the last 6 months?
  • Compare my Hype card spend at Glovo and Just Eat with last month.
  • List every active streaming subscription on my Hype card.
  • What's the next direct debit due on my Hype account?

Does Bank AI move money on my Hype account?

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

How does Bank AI connect to Hype?

Hype 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.

Who actually licences my Hype account?

Hype operates as a joint venture between Banca Sella and illimity, with the underlying banking licence held by Banca Sella under Banca d'Italia supervision. Deposit insurance up to 100,000 EUR per depositor under the Italian FITD applies.

Are Hype Premium and Hype Plus read identically?

Yes. The connection is at account level, not at plan level - any Hype tier with a current account is read the same way. The plan's monthly fee is detected as a recurring subscription outflow.

Does Bank AI surface my Hype salvadanaio?

Yes. Salvadanaio (savings sub-account) balances are read as a distinct sub-balance under your Hype connection, so dedicated pots are never collapsed into the main spend account.

What happens if Hype raises a connectivity error?

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