Fineco Bank — Milan-headquartered FinecoBank S.p.A., supervised by Banca d'Italia and Consob; one of Italy's leading direct banks with a flagship multi-currency conto titoli.
- Markets
- Italy + cross-border
- Asset classes
- Stocks / ETFs / Bonds / Funds / FX
- Connection
- PSD2 (read-only)
Conto titoli positions
Italian, European and US equities, ETFs, bonds and mutual funds read into Bank AI with cost basis, current value and unrealised P&L.
Multi-currency cash
EUR, USD, GBP, CHF and other Fineco multi-currency balances sit next to your bank current accounts, with FX exposure visible in one number.
PIR-eligible holdings
PIR-eligible positions are tagged distinctly so the 5-year holding rule and the EUR 30,000 annual cap are visible at a glance.
Fund holdings and dividends
Mutual-fund holdings (Italian and pan-European) are read with their NAV; incoming dividends and bond coupons are tagged separately.
- Italy
- United Kingdom
- Germany
- Italian and European equities
- US and international equities
- ETFs (UCITS and US-listed)
- Government and corporate bonds
- Mutual funds (Italian and pan-EU)
- FX spot
- Conto titoli (IT)
- PIR (Piano Individuale di Risparmio)
- Fondi (mutual fund holdings)
- Multi-currency cash account
- What is my US-tech exposure across Fineco and my pan-European broker?
- How much have I contributed to my Fineco PIR this year and last year?
- Show me my non-EUR currency exposure on Fineco's multi-currency account.
- Compare my Fineco fund returns to the Italian banking-group benchmarks.
- Broker
Trade Republic
Pan-European broker with an EU banking licence; Depot, ETF Sparplan and cash all surfaced in Bank AI.
→ - Broker
Saxo Bank
Danish investment bank with 50+ market reach; multi-asset positions surfaced in Bank AI.
→ - Broker
Degiro
Amsterdam-based pan-EU broker, part of flatexDEGIRO; positions surfaced in Bank AI.
→ - Use case
Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
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Does Bank AI place orders on my Fineco conto titoli?
No. Bank AI is read-only by design. We surface positions, cash, dividends and PIR flows so you can see the picture, but every trade continues to be placed inside the Fineco platform. We never move money or trade securities on your behalf.
How does Bank AI handle PIR holdings?
PIR-eligible positions are tagged distinctly inside the conto-titoli view so the 5-year holding rule and the EUR 30,000 annual contribution cap are visible. The actual tax exemption (capital gains, dividends and inheritance) is applied by Fineco at source.
Are Fineco's UK and Germany branches covered?
Where the Fineco connector for the relevant market exposes positions via PSD2 / open banking, yes. Italian residents with cross-border Fineco accounts see all balances in one place.
Does Bank AI calculate Italian capital-gains tax?
No - Bank AI is a money app, not a tax tool. The 26 percent capital-gains rate, the 12.5 percent rate on Italian government bonds and the imposta di bollo are calculated by Fineco at source. We surface the underlying flows so the audit trail is clean.
Can I see Fineco alongside my crypto and pan-European broker?
Yes. Fineco positions sit in the same view as your Trade Republic Depot, your Coinbase or Bitpanda wallet and your everyday banking, with one multi-currency net worth number.
Is my Fineco data stored outside the EU?
No. Bank AI processes broker data in EU regions by default, with AES-256 encryption and EU-region key management. Fineco itself remains the custodian of your investments; Bank AI never holds them.
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