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Superbonus 110%

Le agevolazioni fiscali per gli interventi di riqualificazione energetica e antisismica.

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Covid-19 emergency

Fineco supports struggling
families.
Discover the initiatives

IL CONTO DEL FUTURO. DAL 1999.

Scegli l'innovazione e la trasparenza Fineco,
il conto che semplifica la banca da oltre 20 anni.

Italy Withdrawals

Free withdrawals on the BANCOMAT® circuit if higher than €99.

Smart Withdrawal

Cardless withdrawals at the UniCredit ATMs. All you need is your smartphone.

Maxi Withdrawal

Free withdrawals up to €3,000€ from all UniCredit ATMs in Italy.

Debit Card

The free contactless card for withdrawing and paying in Italy and abroad. Find out more

Self-service deposits

You deposit Cash and Cheques unassisted, at all evolved UniCredit ATMs.

Maxi Purchase

Increase your Visa Debit maximum limit up to €5,000 for one day.

Paga con una foto

Con Fineco app paghi i bollettini inquadrando il QR Code e confermando i dati

Boundless transfers

In Italy free and unlimited. Abroad to 250 countries and in 20 different currencies.

Instant transfers

Send and receive money in real time and make payments in seconds, even from app.

Online payments

MAV, RAV, road tax, utilities, bills, taxes and duties: you can do everything online.

Telepass

You can request it online and receive it at home. Or transfer yours in 48h.

Reloads

Reload your mobile phone at zero fees, automatically.

Mortgages

Purchase, Subrogation, Liquidity and Refinancing. At fixed or floating rate. Find out more

Online loans

Request up to €50,000 directly online, on your own. Find out more

Credit lines and Lombard

Request from €3,000 to €1,000,000 of added liquidity on your account. Find out more

Pagamenti Digitali

Per pagare con la tua carta Fineco basta uno smartphone o uno smartwatch. Find out more

Multi-currency account

Diversify your liquidity and invest in 21 global currencies, in real time.

Cheques

Order cheque books and process bank drafts at home.

COSTRUIAMO INSIEME IL TUO FUTURO.

Raggiungere i tuoi obiettivi finanziari non è solo una questione di numeri. Per noi, contano le persone dietro le cifre.

Ampia offerta multibrand

Oltre 60 tra le più prestigiose società di gestione internazionali con prodotti di eccellenza in grado di dare più valore ai tuoi investimenti.

Scopri le soluzioni Fineco Asset Management che arricchiscono l'offerta Fineco.

SCOPRI IL TRADING N.1 IN ITALIA.

Un'ampia gamma di prodotti mondiali accessibili da un unico conto multivaluta, anche da app.

Il trading in tasca

Con l'app Fineco fai trading dove e quando vuoi e hai sempre tutto sotto controllo, in tempo reale.

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DON'T DREAM ABOUT THE IMPOSSIBLE.
GET IT.

Mortgages, loans and lombard loans of up to
1€ million: whatever your project, we have the solution for you.

More value with Credit Lombard

With your securities and funds portfolio, you can always have a reserve of additional current account liquidity available.

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SOLUZIONI PRIVATE PER I TUOI BISOGNI

Private Banking in Fineco significa costruire la relazione più profonda con ogni cliente.

1st place for Customer Experience Find out more

Clienti
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La banca più
consigliata al mondo

Una delle realtà
più solide in Italia

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Are you an innovator?

Open Banking has empowered a global community of developers and innovators, allowing customers to access new products and services from secure, regulated third party providers. More about Open Banking

Advertising message for promotional purposes. To view all the terms and conditions for the advertised services, please refer to the information sheet and required under current regulations. All services require the client to open a Fineco current account.

CET1: Source of data PR - H1 2020 Results

92% Satisfied customers. Source of data: KANTAR TNS - March 2020

Instant transfer the service provides for a fee equal to 0.20% of the amount transferred (min 0.85 € - max 2.95 €) The limit of daily amount accumulated for each customer of instantaneous outgoing transfers is equal to 15,000 €.
It is possible to have the service only to participating banks (consult the www.ebaclearing.eu/services/instant-payments/participants/ list).

MoneyMap è un servizio accessorio al conto corrente che consente di visualizzare, analizzare e classificare in via automatica e in categorie predefinite, le operazioni effettuate attraverso il conto corrente EUR di riferimento e le carte di credito ad esso collegate. Prima dell'utilizzo, il servizio deve essere attivato accedendo all'area riservata del sito finecobank.com, sezione "Gestione conto > Gestione Servizi".

Fineco Card Debit: shipping charges of € 2.25.

Withdrawals: €0,80 commission fee when you withdraw up to €99.

Apple Pay is compatible with enabled Apple devices. For further details please visit Apple website.
Before paying, it is necessary to add the cards to the Wallet as specified on the dedicated Apple website. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the USA and in other countries.

Google Pay™ is compatible with all Android smartphones, starting with version 5.0 (Lollipop) or later. You can also use Google Pay on smartwatches with Google Wear compatible OS. To pay in stores, the smartphone must be equipped with NFC technology. For further information, please consult Google Support page. Your card information is not stored on the device or transmitted during payment. It is important to know that by activating Google Pay, as per the Google policy, you consent to making the data on transactions made with your payment card through Google Pay available to Google itself. For the conditions and purposes of data use please consult the Google Payments Terms of service and Privacy Policy and the Terms and Conditions of the service provided by Fineco Bank upon activation of the service.

Fitbit Pay is compatible with devices listed on Fitbit website.

Garmin Pay is compatible with devices listed on Garmin website.

Multicurrency: is the integrated service in the account in order to diversify liquidity and investments and operate in other global currencies. The activation of the service is free. Instead, a spread is applied to the individual exchange rate, as indicated in the information sheets. With the introduction of new hours for the currency exchange service, you can buy and sell currencies day or night, even during the weekend, with just a little daily pause from 11pm to 2 am, plus from 4 am to 6.15 am on Saturday and Sunday.

Renminbi that customers hold, trade or use for payments outside of mainland China are considered offshore Renminbi (CNH). ISO code CNY must be used in customers’ payment orders, transaction statements and account information. Please note that "CNH" is not registered as a code with the International Organization for Standardization (ISO). Therefore, it's not used in payment services or for account information.
Check the fact sheets to see spreads applied to the exchange rate (Currency Exchange)

Maxi Withdrawals: activation of the Maxi Withdrawals on the Fineco cards with the BANCOMAT® circuit is valid until midnight of the following day. It is possible to withdraw up to a maximum of 3,000 euro per single use and 6,000 euro every 30 days. Multiple transactions may also be required to withdraw the amount selected. Available at all UniCredit branches in Italy.

Maxi Purchase: The function allows you to make purchases for up to € 5,000 with the Fineco Visa Debit EUR card. The service must first be activated and is available until midnight of the same day.

Smart Withdrawal: Withdraw at UniCredit ATMs without any card. Just need your smartphone. You can activate the Smart Withdrawal on only one device at a time.

CORE Series: an open-end fund administrated under Luxembourg law by Fineco Asset Management DAC (an Irish company wholly owned by FinecoBank S.p.A), with an umbrella and multi-class structure, placed exclusively by FinecoBank SpA. The CORE Series investment policy takes into account only funds of high qualitative and quantitative level, with the best fund ratings assigned by the main independent agencies.
The provided information is indicative and not exhaustive with regard to the characteristics, nature and risks of the financial products mentioned and/or the related investment. In no case may it be considered an offer or solicitation to purchase funds, nor the subject of a personalized recommendation, either to persons residing in Italy or to persons residing in other jurisdictions, especially when such offer and/or promotion is not authorized in those jurisdictions and/or is against the law if addressed to such persons. This is an investment in shares of investment funds: the value of the share is variable over time and is always available on the FinecoBank website and at www.finecoassetmanagement.com. Past performance is not indicative of future performance. There is no guarantee of equal returns in the future.
Before subscribing, read the KIID that the investor must provide prior to subscribing and the Prospectus available on this website, at Fineco's financial advisors and at www.finecoassetmanagement.com. For all conditions relating to the advertised products and services, please refer to the information sheets and information documents required by current regulations, which are also available at the Bank's financial advisors. All offered products and services require the opening of a Fineco bank account.

FAM Series Funds: FAM Series UCITS ICAV funds (an undertaking for collective investment with multi-fund and multi-class structure in Irish law), placed exclusively by FinecoBank SpA. The information provided is indicative and not comprehensive as to the characteristics, nature and risks of the financial products mentioned and/or of the related investment. Under no circumstances can it be considered an offer or solicitation for the purchase of the funds, nor the subject of a personal recommendation, neither towards persons residing in Italy nor towards persons residing in other jurisdictions, even more so when such offer and/or promotion is not authorized in such jurisdictions and/or is against the law if addressed to such persons. This is an investment in units of mutual funds: the performance of the fund varies over time and details of past performance are always available on the FinecoBank and FAM website. Past performance is not a reliable indicator of future performance. There is no guarantee of obtaining equal performance in the future. Before subscribing, read the KIID that the investor must provide prior to subscribing and the Prospectus available on the www.finecobank.com, www.finecoassetmanagement.com websites and from FinecoBank's personal financial advisors.

FAM Evolution ICAV is an open-ended collective investment scheme under Irish law with a multi-sub-fund, multi-class umbrella structure established and managed by Fineco Asset Management DAC, a collective investment management company incorporated under Irish law and authorised by the Central Bank of Ireland. Fineco Asset Management DAC is a wholly-owned subsidiary of Finecobank S.p.A. Before subscribing, read the KIIDs that the promoter of the investment delivers before subscribing, and the Prospectus, which is available on the website: www.finecobank.com, and on the website finecoassetmanagement.com.

The No.1 Trading Platform in Italy: also in the first half of 2020, Fineco maintained its position as no.1 Italian broker in the "Equity" ranking, with a share of 28.00%. A record achieved in 2004, with a global and wide range of shares, futures, CFDs and Forex, and the most advanced apps to stay on top of the markets. Press Release

MORTGAGES

Standard conditions applied to final mortgage approvals given in October 2020 and stipulated within the next 30 days.

Credit is granted subject to the approval of the Bank, which reserves the right to assess requirements and creditworthiness.

Standards conditions related to each product below are valid for agreements entered in October 2020.

Representative example on a Purchase Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 867.39, variable APR 0.80% effective APR 1.06%, including € 250 of the substitute tax (first house), € 700 of preliminary investigation fees, € 300 of appraisal fees. Total amount of credit € 98,750. Total cost of the credit € 5,336.64. Total amount due from the consumer: € 104,086.64.

Representative example on Subrogation Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 884,75, variable APR 1.20% effective APR 1.21%, no substitute tax and no preliminary investigation or appraisal fees. Total amount of credit € 100,000. Total cost of the credit € 6,169.90. Total amount due from the consumer: € 106,169.90.

Representative example on Equity Loan Mortgage at a personalized rate 50% fixed rate - 50% floating rate with 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 914.77, variable APR 1.88% effective APR 2.16%, including € 250 of the substitute tax, € 700 of preliminary investigation fees, € 300 0 of appraisal fees. Total amount of credit € 98,750. Total cost of the credit € 11,022.44. Total amount due from the consumer € 109,772.44.

Representative example on Refinancing Loan Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 911.21, variable APR 1.80% effective APR 2.08%, including € 250 of the substitute tax, € 700 of preliminary investigation fees, € 300 of appraisal fees. Total amount of credit € 98,750. Total cost of the credit € 10,594.63. Total amount due from the consumer: € 109,344.63.

10-years Eurirs, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.00%.
Euribor 3M/360, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.00%.

Compulsory property insurance policy: the cost is entirely borne by the bank that entered into a policy as an insured contractor, to cover the fire and explosion risk on the secured property.
In order to apply for a loan, it is required to be a Fineco account holder and to be 75 years, or less, from the end of the repayment plan. The age limit can be overcome if the mortgage co-signer is less than 70 years old at the end of the repayment plan and is a permanent employee, retired or self-employed. The granting of the loan is subject to the approval of the Bank which reserves the right to assess requirements and creditworthiness. Purchase and Subrogation Mortgages loan term: from a minimum of 10 years to a maximum of 30 years.
Duration of Equity Loan and Refinancing Mortgage: from a minimum of 10 years to a maximum of 20 years. Amount financed up to 80% of the property value for Purchase and Subrogation Mortgages; up to 60% of the property value for Liquidity Mortgage; up to 70% of the property value for Refinancing Mortgage. The property value is the lower of the purchase price and the appraisal value in the case of a Purchase Mortgage or the appraisal value in the case of a Subrogation or Liquidity Mortgage.
Purchases, subrogation, equity and refinancing mortgages are granted by Finecobank s.p.a and guaranteed by hypothecation on property.

The Fineco Mortgage Policy is an optional insurance policy of AXA France VIE and AXA France IARD. Read the Pre-contractual information set carefully before subscribing.
For all contractual and economic conditions relating to the mortgages, please refer to the General Information on mortgage loans offered to consumers of the Fineco Purchase, Subrogation Mortgage, Equity Loan and Refinancing Mortgage.

PERSONAL LOAN

Standard interest rate: min APR 3.95% - max APR 6.95%; min EAPR 4.37% - max EAPR 7.53%. Duration of the loan agreement: 12 to 48 months (for loans between 2,000 and 4,000 euros); 12 to 72 months (between 5,000 and 10,000 euros); 12 to 84 months (between 11,000 and 50,000 euros). Example: amount of credit €11,000. Total amount due by customer from MIN 11,913.56 euros to MAX 12,635.00 euros. Substitute tax 27.50 euros; expenses for sending periodic communications: 0.95 euros each. Monthly instalment (including interest calculated with the fixed instalment scheme) between MIN 248.12 euros and MAX 263.15 euros in 48 months.

* The immediate disbursement service is addressed to pre-assessed Fineco customers, i.e. holders of another credit product (e.g. credit card) whose salaries are directly deposited to their Fineco account on an ongoing basis, and who have met certain creditworthiness requirements, determined at the sole discretion of the Bank. Recipients of the service receive notification of the offer directly on the financial simulator present in the private area of their account. Granting of the loan is nevertheless subject to approval by the bank.

In order to be able to apply for the Personal Loan, you must: have been a Fineco account holder for at least 3 months or have direct deposit of your salary/pension, have a current account balance greater than -500 euros, be between 18 and 70 years of age and reside in Italy. For loans with a duration of more than 18 months, the contract envisages substitute tax of 0.25% of the amount lent. The Bank nevertheless reserves the right to assess the creditworthiness and necessary requisites for granting the loan.To view all the terms and conditions for the advertised services, please refer to the advertising information forms.

LOAN CONSOLIDATION

Standard interest rate: min APR 3.95% - max APR 6.95%; min EAPR 4.37% - max EAPR 7.53%. Duration of the loan agreement: from 12 to 72 months for amounts between 11,000 and 30,000 euros. Example: amount of credit €11,000. Total amount due by customer from MIN 11,913.56 euros to MAX 12,635.00 euros. Substitute tax 27.50 euros; expenses for sending periodic communications: 0.95 euros each. Monthly instalment (including interest calculated with the fixed instalment scheme) between MIN 248.12 euros and MAX 263.15 euros in 48 months.
To proceed with the application, it is necessary that the loans to be repaid be in the name or joint name of the person applying for the Consolidation. It is only possible to consolidate personal loans with specific purpose (e.g. loans for cars, furniture, appliances) or without, up to a maximum of 4 loans in total, in the following combinations: only external loans (up to 3) + possible additional liquidity; external loans (up to 3) + Fineco loans (up to 2) + possible additional liquidity, 2 Fineco loans + mandatory additional liquidity. External loans can always be consolidated, even if they are not debited on the Fineco account, while internal loans can only be consolidated if disbursed at least 6 months ago. It is not possible to consolidate salary- or pension-backed loans, revolving credit cards and loans with other UniCredit Group banks or companies (Banca di Roma, Banco di Sicilia, former Bipop-Carire, former UCFin, former Clarima) and individual Fineco loans. Further details.
For all the terms and conditions relating to the services advertised, please consult the advertising information forms.

CREDIT LOMBARD is a current-account credit facility secured by a rotating pledge on securities and funds, offered to customers with an Advice, Plus or ordinary securities account who meet the product’s eligibility and financing criteria. Its special feature is the ability to substitute the pledged securities through rebalancing procedures similar to those used for the above product/services. The function of substituting the pledged securities in the dossier composition is available through the Network of Fineco Financial Advisors for the Fineco Advice and Fineco Plus dossiers, and online for the ordinary dossier. Credit Lombard requires a secured current account and a securities account to serve as collateral. To view all the terms and conditions for Credit Lombard please refer to the information sheets, also available from financial advisors authorised for cold-calling.
The advertised product with the indicated features can only be subscribed through Fineco financial advisors.
The amount of credit available can be between €10,000 and €1 million. Access to the credit facility and the amount available are subject to approval by the Bank.
Provision of a current-account credit facility is subject to the Bank reviewing financial information supplied by the customer and/or publicly available (financial statements, central risk database, central interbank alarm system, etc.) In all cases, the credit facility is subject to request by the customer. The pledge on (dematerialised and physical) securities under centralised management is constituted by written agreement and by registration in special accounts held at the Bank, in accordance with the relevant laws and regulations (Legislative Decree 213/98 and Legislative Decree 58/98 - Consolidated Finance Act).

Economic conditions applied:

  • - Fineco Private Customers (those who have Assets in Fineco for an amount exceeding €500,000) and Fineco Customers with Managed Assets > € 250,000: Nominal and Effective APR 0.75%.
  • - Fineco customers: Nominal and Effective APR 1.00%.
Nominal APR (nominal annual rate) 1.00% variable (Euribor 3m + 1.00% spread); Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: €750.01; Costs: 0; Effective APR 1.00%. Effective APR calculated on €75,001 facility with no fixed end date. Assuming one-year duration and facility used in full from the moment of contract signature. Assumed annual interest payment. The Euribor (European Interbank Offered Rate) is an interbank rate, i.e. the rate of interest at which banks lend money to other banks. The reference rate is calculated as the average daily Euribor rate over the month preceding the current month, rounded down to the nearest 0.05%. In this case the parameter is null and the rate applicable to the facility is therefore equal to the spread.
All services require the client to open a Fineco current account. To view all the terms and conditions for the advertised services, please refer to the information sheets.

Versione italiana

Pubblico Avviso alla clientela dei Comuni oggetto di ordinanza (v. all'allegato n. 1 al decreto del Presidente del Consiglio dei ministri del 23 febbraio 2020).

A testimonianza dell’attenzione verso la propria Clientela, Fineco ha deciso di intraprendere un’azione a favore dei Clienti che vivono nei Comuni coinvolti dall'emergenza Coronavirus – Covid19.

Fino al 15 aprile 2020 i titolari di mutui Fineco relativi a edifici ubicati nei comuni indicati nel decreto, possono richiedere la sospensione del pagamento delle rate di mutuo fino alla cessazione dello stato di emergenza (dichiarato per un periodo di 6 mesi dalla delibera del Consiglio dei ministri del 31 gennaio 2020).
Tale misura non comporterà alcun costo aggiuntivo né l’applicazione di interessi di mora.

E’ possibile contattare il numero verde 800.52.52.52 per reperire le informazioni necessarie al fine di attivare la sospensione del pagamento delle rate con decorrenza dalla prima rata utile successiva alla richiesta.

Si precisa che la sospensione non costituisce in alcun modo novazione del contratto di mutuo e resta ferma ogni altra modalità, patto, condizione e garanzia di cui al contratto di mutuo, con particolare riferimento alla garanzia ipotecaria.Le rate sospese inizieranno a decorrere al termine del periodo di sospensione con corrispondente allungamento del piano di rimborso per una durata pari al periodo di sospensione stesso, mantenendo la loro attuale periodicità.