What you need to know first
- Get your codice fiscale first — it's required for bank accounts, rental contracts, utilities and salaries, and the Agenzia delle Entrate issues it free.
- An Italian IBAN matters: many landlords, employers and utilities still reject foreign IBANs despite EU rules.
- Traditional accounts carry monthly fees plus a small stamp duty above €5,000 balance; app-bank basic plans are free.
- Many expats run a hybrid: a traditional account for salary and bills, an app bank for daily spending and currency exchange.
Banks expats actually use
Fee levels and account terms change often — always confirm on the bank's site before applying.
| Bank | Type | English support | Non-residents | Best for |
|---|---|---|---|---|
| Intesa Sanpaolo | Traditional | Good in cities | Non-resident accounts available | Full service, biggest network |
| UniCredit | Traditional | Good in cities | Possible, branch-dependent | International customers, mortgages |
| BNL (BNP Paribas) | Traditional | Limited | Branch-dependent | Salaried expats |
| BancoPosta (Poste) | Post-office bank | Limited | Residents only | Simple accounts, everywhere in Italy |
| N26 | App bank | Full app in English | EU/EEA address required | Fast setup, no fees |
| Revolut | App bank | Full app in English | Yes (EEA) | Multi-currency, travel |
| Wise | Money account | Full app in English | Yes | Transfers & holding currencies |
| Hype | Italian app bank | App partly in English | Codice fiscale required | Italian IBAN with app-bank fees |
Which bank is right for you?
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Open an account online
App banks and money accounts you can open before or right after arriving.
Some links may be partner links — using them never costs you more and helps keep our guides free.
Now that you're opening a bank account…
If you're on an elective-residency visa or waiting for SSN health registration, private health cover is usually required — compare before your bank sells you theirs.
Need a mortgage in Italy?
Brokers used to non-resident and expat files.
MutuiOnline
Italy's largest mortgage comparison
Italy Mortgage
English-speaking, non-resident specialist
Gate-away Finance
Property portal with finance contacts
Some links may be partner links — using them never costs you more and helps keep our guides free.
Starting a business in Italy?
A partita IVA (VAT number) and a dedicated business account come first. These handle freelancers and small businesses in English-friendly flows:
Frequently asked questions
Do I need a codice fiscale to open an Italian bank account?
Yes — practically every Italian bank (including app banks with Italian IBANs) requires your codice fiscale, the Italian tax code. It's free and issued by the Agenzia delle Entrate; get it before you approach any bank.
Can non-residents open an Italian account?
Yes — Italian banks offer "conto per non residenti" with a more limited feature set, and larger banks like Intesa Sanpaolo handle them routinely. Expect to show your passport, codice fiscale, and proof of foreign address.
What does an Italian account cost?
Traditional accounts typically carry a monthly canone (account fee) and Italy charges a small annual stamp duty (imposta di bollo) on accounts with balances over €5,000. App banks' basic plans are free, which is why many expats combine both.
How long does opening take?
App banks: minutes to a couple of days. Traditional banks: usually one or two branch visits — bring passport, codice fiscale, proof of address, and proof of income or employment if you have it.
Note: This page is general information, not financial advice. Bank terms, fees and eligibility change — always confirm directly with the bank before applying.