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Widiba — Italian online banking and brokerage arm of Banca Monte dei Paschi di Siena, founded in 2014, supervised by Banca d'Italia and the ECB.

HQ
Milan
Customers
Online bank since 2014
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Widiba 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 Widiba 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 Widiba 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

    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
  • Conad
  • Eurospin
  • Lidl
  • Trenitalia
  • Amazon Italia
  • Apple
  • Booking.com

Detected subscriptions

  • DAZN
  • Sky Italia
  • Netflix
  • Spotify
  • TIM
  • Vodafone Italia

  • What's my Widiba conto corrente, salvadanaio and dossier titoli total today?
  • Compare Widiba ETF holdings against my Fineco and Trade Republic positions.
  • List every Widiba SEPA direct debit hitting next month.
  • How much have I contributed to my Widiba PIR this year?

Does Bank AI move money on my Widiba account?

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

How does Bank AI connect to Widiba?

Widiba 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 Widiba dossier titoli and trading positions?

Yes. Widiba's brokerage account is read alongside the conto corrente where PSD2 exposes positions; Italian and international equities, ETFs and bonds appear with current valuations.

Is Widiba the same as Banca Monte dei Paschi di Siena?

Widiba is a wholly-owned subsidiary of Banca Monte dei Paschi di Siena but operates as its own brand and online platform. Bank AI reads each one as its own connection so a Widiba account and an MPS account stay distinct in the view.

Does Bank AI surface my Widiba PIR holdings?

PIR (Piani Individuali di Risparmio) balances are read as distinct sub-balances under your Widiba connection where exposed over PSD2, with the tax-wrapper context clear.

What happens if Widiba raises a connectivity error?

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