![](https://images.ctfassets.net/q33z48p65a6w/2syCbHBluSpJApT2j1IVlp/4910854582724fa624efa91811a5a20d/Milan.jpeg?fit=thumb&fl=progressive&fm=jpg&q=80&w=260)
How to open a bank account in Italy online
What are the different types of bank accounts in Italy?
- Conto corrente (current account) – as in other countries, this is the standard type of account for day-to-day transactions.
- Conto corrente cointestato (joint account) – this is a current account that you share with someone else.
- Conto di risparmio (savings account) – this is for your savings, on which you can earn a little bit more interest.
- Conto di deposito (deposit account) – this is a less flexible type of savings account that might offer a higher rate of interest.
How to choose a bank account in Italy
- How easy is it to open the account? Can you do it online?
- Will you need to visit your branch often, and is there one close to you?
- Does your bank offer services in English (or your other first language)?
- Are there any fees and what are they?
How to open a bank account in Italy
- Wait until you’re in Italy. It can be tempting to try to start the process from abroad, but unless you’re getting a non-resident account, this might prove difficult. Even if you don’t need to go into a branch to open the account, you will still need to provide details such as a valid Italian address. So you might just need to bide your time.
- Have your documents ready. Banks always need to be able to verify your identity, so you’ll need to show them some documents. There’s more information on what you’ll need below.
- Go to your new bank, or its website. Once you’re ready, you can begin the signup process. For traditional institutions you may well need to go into a branch, but digital banking options like N26 mean you can apply online.
- Wait for the mail to arrive. You’ll need to wait a few days to get your bank card and other information in the post – another reason it makes sense to already be in Italy!
How to open an account with N26
How to open an online bank account in Italy
Send money abroad
International transfers with your N26 account are easy, fast and reliable.
International Money Transfer with N26![Wise.](https://images.ctfassets.net/q33z48p65a6w/2f81tIC4q8odWdjOy75ltX/229c9db1f3dfdbc66eb6853f5eaf2820/2310_Conversion_Cards_Wise_470x470_1.png?fit=thumb&fm=png&q=80&w=360)
How much does it cost to open a bank account in Italy?
Types of bank account fees in Italy
- Maintenance fee – this service fee could be charged regularly, for instance every month.
- Transaction fee – you might find that the bank charges you a small amount for each individual transaction that shows up on your statement. You might get a certain number free each year.
- Cash withdrawal fee – if you use an ATM (bancomat in Italian) to withdraw cash, there could be a charge, especially if you don’t use your own bank’s ATM.
- International transfer fees – this can be a big deal for expats. If you’re likely to need to send money abroad, check what your bank will charge you for this. These fees can vary hugely.
What do you need to open a bank account in Italy?
- ID, such as a passport.
- A valid Italian address. Most banks require proof of address, such as a utility bill, although N26 is an exception – you just need to legally be resident there.
- Your codice fiscale (tax number).
- Proof of employment (or proof that you’re studying, if you’re a student).
At what age can you open a bank account in Italy?
How much does it cost to cancel a bank account in Italy?
Your money at N26
To take the stress out of expat living, our series on all things relocation, An Expat’s Guide, aims to help you land as smoothly as possible in your new life in Italy. We’ll be breaking down the mysteries around getting your new life on track when it comes to banking and finance.
FAQs
- Can I open a bank account in Italy as a non-resident?
- How long does it take to open a bank account?
- Can I open an account in several countries?
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