Bank AI
Get the app

Isybank — Italian digital bank built as a stand-alone product by Intesa Sanpaolo, with a mobile-first conto corrente designed for everyday spend.

HQ
Milan
Customers
1M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Isybank 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 Isybank 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 Isybank 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
  • Glovo
  • Just Eat
  • Trenitalia
  • Apple
  • Google
  • Ryanair

Detected subscriptions

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

  • How much have I saved in my Isybank salvadanaio this year?
  • What's my Isybank card spend at Glovo, Just Eat and Esselunga this month?
  • List every active subscription detected on my Isybank card.
  • Compare my Isybank balance against my older Intesa Sanpaolo conto corrente.

Does Bank AI move money on my Isybank account?

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

How does Bank AI connect to Isybank?

Isybank 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.

Is Isybank the same as Intesa Sanpaolo?

Isybank is operated by Intesa Sanpaolo as a separate digital brand with its own product mix and IBAN range. Bank AI reads each one as its own connection so an existing Intesa relationship and a new Isybank account are clearly distinguished.

Does Bank AI surface my Isybank salvadanaio?

Yes. Isybank's salvadanaio sub-accounts are read as distinct balances, so dedicated pots are never collapsed into the main current account.

Will F24 tax payments from Isybank be tagged correctly?

Yes. F24 payments and other Italian-government direct debits routed through Isybank are auto-categorised under government / tax, the same as on Intesa Sanpaolo.

What happens if Isybank raises a connectivity error?

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