Bank AI
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Poste Italiane — Italy's national postal operator with a banking arm (BancoPosta), supervised by Banca d'Italia and present in every Italian comune.

HQ
Rome
Customers
35M+ via BancoPosta
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Poste Italiane 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 Poste Italiane 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 Poste Italiane 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
  • Autostrade per l'Italia
  • Trenitalia
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • DAZN
  • TIM
  • PosteMobile

  • How much sits across my BancoPosta conto, libretto and Buoni Fruttiferi today?
  • List every PostePay subscription detected on my account.
  • What's the total bollettino postale spend year to date?
  • Compare my BancoPosta balance against the same month last year.

Does Bank AI move money on my Poste Italiane account?

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

How does Bank AI connect to Poste Italiane?

Poste Italiane 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 read my libretto postale and BFP balances?

Where Poste Italiane exposes Libretti Postali and Buoni Fruttiferi under PSD2, balances and accrued interest are surfaced alongside your BancoPosta conto. Buoni-redemption-window dates are flagged where available.

What about my PostePay card?

PostePay (the Italian-issued prepaid Mastercard) is read as a card-only product under your Poste connection, with spend categorised on the same taxonomy as your other banks.

Will F24 and bollettino postale payments be tagged correctly?

Yes. F24 tax payments and bollettino postale outflows are auto-classified under government / tax / utility. They sit in their own taxonomy buckets so they don't pollute discretionary-spend totals.

What happens if Poste Italiane raises a connectivity error?

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