Bank AI
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Intesa Sanpaolo — Italy's largest retail bank by branches and customers, supervised by Banca d'Italia and the ECB Single Supervisory Mechanism.

HQ
Turin
Customers
21M+ in Italy
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Intesa Sanpaolo 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 Intesa Sanpaolo 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 Intesa Sanpaolo 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
  • IKEA

Detected subscriptions

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

  • How much have I paid into my Intesa Sanpaolo conto deposito year to date?
  • What's the next F24 direct debit due on my Intesa account?
  • Compare my Intesa current-account spend at Esselunga vs. my other card.
  • List every recurring DAZN, Sky and TIM charge on my Intesa account.

Does Bank AI move money on my Intesa Sanpaolo account?

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

How does Bank AI connect to Intesa Sanpaolo?

Intesa Sanpaolo 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.

Are my conto deposito and salvadanaio balances visible inside Bank AI?

Yes. Conto deposito (fixed-term deposit) balances and salvadanaio (savings sub-account) balances are read alongside the conto corrente, with maturities and interest rates surfaced where Intesa Sanpaolo exposes them via PSD2.

What about XME Conto and Superflash?

Both are Intesa Sanpaolo current-account variants and are read identically - the connection is at account level, not at product-tier level. Tier-specific monthly fees are detected as recurring outflows.

Will my F24 tax payments be tagged correctly?

Yes. F24 payments and other Italian-government direct debits are auto-categorised under government / tax. The taxonomy maps them to a dedicated bucket so they don't pollute discretionary-spend totals.

What happens if Intesa Sanpaolo raises a connectivity error?

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