- Active connectors
- 302
- Retail coverage
- 95%
- Regulator
- Banca d'Italia
- Currency
- EUR
Italy implements PSD2 via Banca d'Italia and has one of Europe's most fragmented retail banking markets, with hundreds of cooperative and regional banks alongside the four large groups.
BCC (Banche di Credito Cooperativo) banks alone account for roughly 230 institutions, all of which Bank AI surfaces under their parent groups (Iccrea and Cassa Centrale).
Italian retail customers historically rely on a mix of online banking, multi-bank dashboards (Satispay, Hype, BancoPosta) and PSD2 aggregators - Bank AI consolidates all three.
Intesa Sanpaolo
Major retail and corporateItaly's largest banking group, headquartered in Turin and Milan.
UniCredit
Major retail and corporatePan-European banking group with a deep Italian retail footprint.
Banco BPM
Major retailThird-largest Italian banking group, born from the merger of Banco Popolare and BPM.
BPER Banca
Major retailModena-headquartered group with a rapidly growing retail network across Italy.
Monte dei Paschi di Siena
Major retailHistoric Tuscan bank, the oldest continuously operating bank in the world.
Credit Agricole Italia
Retail bankItalian arm of the French cooperative giant.
Mediolanum
Wealth-network bankNetwork bank popular for personal financial advisors and savings products.
Fineco Bank
Direct bank / brokerageOnline bank and brokerage with a heavy retail-investor user base.
Banca Sella
Retail / digitalIndependent banking group from Biella with a strong digital banking arm (Hype).
Hype
NeobankDigital-first banking app operated by illimity / Sella, popular with younger users.
Poste Italiane / BancoPosta
Postal / retailPostal banking arm with the largest retail customer footprint in Italy.
ING Italia
Direct bankItalian retail arm of ING Group, primarily a direct bank.
International banks available here
Revolut
International neobankItalian customers are served by Revolut Bank UAB under the Lithuanian banking licence, passported across the EEA.
N26
International neobankBerlin-headquartered neobank operating in Italy under its German banking licence (BaFin), passported into Italy.
Wise
International accountMulti-currency account; in Italy Wise operates via Wise Europe SA under its Belgian e-money licence.
Networks and groups
- Banche di Credito Cooperativo (BCC)(230+)Cooperative credit banks federated under the Iccrea and Cassa Centrale groups.
- Casse di Risparmio(30+)Historic regional savings banks now mostly absorbed into larger groups.
- Banche popolari(20+)Cooperative banks that retain a strong regional brand.
Don't see your bank?
Bank AI's coverage extends well beyond the names listed here, including the long tail of cooperative, regional and online-only institutions. If your bank isn't shown, get in touch and we'll confirm coverage.
1. Connect your accounts
Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.
2. See the whole picture
Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.
3. Let the AI do the heavy lifting
Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.
Tax wrappers we surface
Conto titoli, PIR, fondi
Fineco, Mediobanca Premier, Intesa Sanpaolo, UniCredit and Credito Emiliano expose positions to our PSD2 partners; PIR-eligible funds are tagged so the 5-year holding rule is visible.
Brokers covered for Italian investors
- Fineco Bank
- Mediobanca Premier
- Intesa Sanpaolo
- Trade Republic
- Saxo Bank
- eToro
Brokers, wealth wrappers and exchanges connectable today
Curated subset of the wealth-capable institutions Bank AI connects in this market. Tap a card to see what positions, wrappers and tax data Bank AI surfaces for that provider.
Brokers and trading platforms(5)
Trade Republic
EUBerlin-headquartered broker with an EU banking licence, popular for fractional shares, ETFs and savings plans across Europe.
Saxo Bank
EUDanish bank and broker offering multi-asset trading (stocks, ETFs, bonds, futures, FX) across the EU and UK.
Degiro
EUDutch low-cost broker (now part of flatexDEGIRO) operating across the EU and UK; one of the largest retail brokers in Europe.
eToro
EUMulti-asset broker known for social-trading; stocks, ETFs, crypto and CFDs depending on local licensing.
Fineco Bank
Italian online bank and broker, listed on Borsa Italiana; popular with retail investors for multi-currency brokerage.
Life insurance, pensions and wealth wrappers(4)
Allianz
Global insurer; in France and across the EU it distributes assurance-vie, retirement and asset-management products.
Amundi
Europe's largest asset manager; distributes mutual funds, ETFs and salary-savings plans across the EU.
Cardif
BNP Paribas Cardif: life-insurance and creditor-protection arm of BNP Paribas, with a deep French assurance-vie business.
Generali
Italian-headquartered global insurer; life-insurance and pension products across France, Italy and Germany.
Banks with a wealth or brokerage arm(5)
Mediobanca Premier
Wealth and private-banking division of Mediobanca, Italy's largest investment bank.
Intesa Sanpaolo
Italy's largest banking group; the wealth and private-banking arms surface investment positions alongside cash accounts.
UniCredit
Pan-European banking group headquartered in Milan; private-banking arm covers Italian retail wealth.
Credito Emiliano
Italian bank specialising in private banking and wealth management; supervised by Banca d'Italia.
Widiba Banca
Online banking and brokerage arm of Banca Monte dei Paschi di Siena.
Crypto exchanges and wallets(5)
Binance
EUGlobal crypto exchange; EU operations are routed through entities registered with national VASP regimes.
Coinbase
EUUS-listed (NASDAQ: COIN) crypto exchange with an Irish entity (Coinbase Ireland) covering the EU.
Bitpanda
EUVienna-headquartered fintech offering crypto, stocks, ETFs and metals; EU passporting via Austrian licensing.
Kraken
EUUS-headquartered crypto exchange with Irish entity for EU customers and FCA registration in the UK.
Crypto.com Exchange
EUGlobal crypto exchange and card-issuing fintech; EU operations routed through national VASP registrations.
Investing in Italy - frequently asked questions
Which Italian brokers does Bank AI support?
Fineco Bank, Mediobanca Premier, Intesa Sanpaolo, UniCredit and Credito Emiliano are connected today, alongside pan-European brokers serving Italian residents (Trade Republic, Saxo Bank, Degiro, eToro). Coverage extends as more conto-titoli connectors expose wealth data via PSD2.
Bank AI gestisce correttamente il PIR?
Si. I PIR (Piani Individuali di Risparmio) sono mostrati come conti dedicati, con il vincolo dei 5 anni visibile e le posizioni PIR-eligible taggate distintamente dai fondi non agevolati. La gestione dell'imposta sostitutiva e della tassazione di capital gain rimane in capo all'intermediario.
L'imposta di bollo e la capital gain sono calcolate?
No - Bank AI e un'app per gestire denaro, non uno strumento fiscale. Noi mostriamo dividendi, vendite e bonifici in modo trasparente, ma l'imposta di bollo (0,2 percento), la capital gain del 26 percento e la sostitutiva del 12,5 percento sui titoli di Stato sono calcolate dall'intermediario o nel software fiscale dedicato.
Posso vedere conto titoli e crypto insieme?
Si. Le posizioni di Fineco, Mediobanca Premier o Intesa Sanpaolo appaiono nella stessa vista delle tue conto Binance, Bitpanda, Coinbase o Kraken, con totale net worth multi-valuta calcolato in tempo reale. L'assistente AI legge tutto in modo trasversale.
Bank AI e regolamentata in Italia?
Bank AI non e una banca e non detiene depositi. L'accesso ai dati di conto e fornito tramite Account Information Service Providers (AISP) autorizzati ai sensi della PSD2 e supervisionati da Banca d'Italia o da un altro regolatore europeo. La SCA viene applicata ogni 90 giorni come previsto dalla normativa.
| Bank AI | BancoPosta multibanca, Hype, Satispay, native bank apps | |
|---|---|---|
| Multi-bank, multi-country view | Yes | Partial |
| AI assistant grounded in your real data | Yes | No |
| EU data residency, GDPR by default | Yes | Partial |
| Crypto-ready (in build) | Partial | No |
Quali banche italiane posso collegare a Bank AI?
Bank AI si collega alle grandi banche commerciali (Intesa Sanpaolo, UniCredit, Banco BPM, BPER, MPS, Credit Agricole), alle banche dirette (ING Italia, Fineco), alle banche-rete (Mediolanum), a BancoPosta e a oltre 200 BCC e banche popolari sotto i gruppi Iccrea e Cassa Centrale. La copertura totale e di circa 300 connettori attivi.
Bank AI e regolamentata in Italia?
Bank AI e un'app di gestione finanziaria, non e una banca. L'accesso ai dati dei conti avviene tramite partner di open banking autorizzati come Account Information Service Provider (AISP) sotto la PSD2, vigilati da Banca d'Italia o da un'altra autorita europea equivalente.
Bank AI puo spostare denaro dai miei conti?
Per impostazione predefinita Bank AI legge solo i dati del conto e non sposta denaro. I bonifici partono soltanto quando li avvii esplicitamente tu, e vengono eseguiti dal tuo prestatore di servizi di pagamento, non da Bank AI.
Cosa succede ai miei dati sotto il GDPR italiano?
I dati sono ospitati in regioni UE, vengono trattati nel rispetto del GDPR e del Codice italiano della privacy, e mantieni in qualsiasi momento i diritti di accesso, rettifica e cancellazione. Bank AI non vende mai i tuoi dati e usa l'IA solo sui dati che hai esplicitamente abilitato.
Bank AI supporta CONSOB e i miei broker italiani?
I broker e le banche con licenza CONSOB sono supportati nella misura in cui i partner di aggregazione li espongono via API. Fineco, Banca Sella, Mediolanum e i grandi broker bancari sono gia inclusi; il roadmap espande il supporto verso broker indipendenti come Directa SIM e Webank.
Posso collegare il mio conto BancoPosta?
Si, BancoPosta e tra i connettori principali del mercato italiano e Bank AI lo include sin dal lancio.
Quanto costa Bank AI in Italia?
Bank AI e un'app a pagamento. Il prezzo attuale e indicato sull'App Store, dove la scarichi, e puo cambiare nel tempo.
🇮🇹 Italy
Get the app