Bank AI
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Italien

Bank-App fur Italien: 302+ Banken in einer App

Italy is one of Bank AI's first launch markets. The retail banking landscape is unusually fragmented - four large groups sit alongside hundreds of cooperative BCCs, popular and savings banks. With 302 activated connectors covering roughly 95% of the retail market by customer count, Bank AI is the first AI-native money app that genuinely sees every Italian account.

Aktive Bank-Anbindungen
302
Marktabdeckung
95%
Aufsichtsbehorde
Banca d'Italia
Wahrung
EUR

Warum Bank AI

Drei Dinge, die du wissen solltest:

  • 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.

Unterstutzte Banken

  • Intesa Sanpaolo

    Major retail and corporate

    Italy's largest banking group, headquartered in Turin and Milan.

  • UniCredit

    Major retail and corporate

    Pan-European banking group with a deep Italian retail footprint.

  • Banco BPM

    Major retail

    Third-largest Italian banking group, born from the merger of Banco Popolare and BPM.

  • BPER Banca

    Major retail

    Modena-headquartered group with a rapidly growing retail network across Italy.

  • Monte dei Paschi di Siena

    Major retail

    Historic Tuscan bank, the oldest continuously operating bank in the world.

  • Credit Agricole Italia

    Retail bank

    Italian arm of the French cooperative giant.

  • Mediolanum

    Wealth-network bank

    Network bank popular for personal financial advisors and savings products.

  • Fineco Bank

    Direct bank / brokerage

    Online bank and brokerage with a heavy retail-investor user base.

  • Banca Sella

    Retail / digital

    Independent banking group from Biella with a strong digital banking arm (Hype).

  • Hype

    Neobank

    Digital-first banking app operated by illimity / Sella, popular with younger users.

  • Poste Italiane / BancoPosta

    Postal / retail

    Postal banking arm with the largest retail customer footprint in Italy.

  • ING Italia

    Direct bank

    Italian retail arm of ING Group, primarily a direct bank.

Auch hier verfugbar: internationale Banken

  • Revolut

    International neobank

    Italian customers are served by Revolut Bank UAB under the Lithuanian banking licence, passported across the EEA.

  • N26

    International neobank

    Berlin-headquartered neobank operating in Italy under its German banking licence (BaFin), passported into Italy.

  • Wise

    International account

    Multi-currency account; in Italy Wise operates via Wise Europe SA under its Belgian e-money licence.

Netzwerke und Verbunde

  • 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.

Deine Bank fehlt?

Bank AI deckt deutlich mehr Institute ab als hier aufgefuhrt - inklusive Genossenschaftsbanken, Regionalbanken und reiner Online-Anbieter. Wenn deine Bank nicht dabei ist, schreib uns - wir bestatigen die Abdeckung.

Abdeckung prufen

So funktioniert Bank AI

Italian banks expose account information under PSD2 via the standard XS2A interface, supervised by Banca d'Italia. Bank AI's licensed aggregation partner reads your accounts in read-only mode by default; transfers only happen when you initiate them yourself.

  1. 1. Konten verbinden

    Banken, Broker, Vorsorgekonten und Krypto-Wallets uber PSD2-lizenzierte Open-Banking-Partner anbinden - standardmassig nur lesend.

  2. 2. Gesamtbild sehen

    Vermogen, monatlicher Cashflow, Ausgaben, Sparen, Investments und Krypto - in deiner Heimwahrung, automatisch aktualisiert.

  3. 3. Die KI uebernimmt das Heben

    Kategorisierung, Anomalie-Warnungen, Sparprognosen und ein Chat, der deine Finanzfragen in Klartext beantwortet.

Regulierung und Vertrauen

Banca d'Italia is the competent authority for the Italian implementation of PSD2 and supervises Account Information Service Providers operating in Italy. CONSOB supervises investment activity and IVASS supervises insurance products. Bank AI never bypasses these regimes - it integrates with licensed providers that already operate within them.

Banca d'Italia (Banca d'Italia)PSD2 (Italian implementation via Banca d'Italia)

Bank AI im Vergleich

Italian users today juggle the bank app of their main current account, the BancoPosta app, a brokerage app like Fineco, and increasingly a fintech wallet such as Hype or Satispay.

Bank AIBancoPosta multibanca, Hype, Satispay, native bank apps
Multibank, landerubergreifendJaTeilweise
KI-Assistent auf Basis echter DatenJaNein
EU-Datenresidenz, DSGVO standardmassigJaTeilweise
Krypto-ready (in Vorbereitung)TeilweiseNein

Haufig gestellte Fragen

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 prevede un piano gratuito che copre l'aggregazione dei conti e gli insight IA di base. I piani a pagamento, opzionali, sbloccano analisi avanzate e funzionalita premium. I prezzi finali saranno comunicati prima del lancio commerciale.

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🇮🇹 Italien

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