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 - Results 1Q21
94% Satisfied customers. Source of data: KANTAR TNS - December 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.
Fineco Pay: è un servizio che consente di inviare o ricevere denaro utilizzando il numero di cellulare del beneficiario. Il Servizio Fineco Pay deve essere attivato dal cliente mediante l’applicazione mobile di Fineco installata sul cellulare evoluto (smartphone). Per poter attivare Fineco Pay è necessario accettare le condizioni normative che regolano il servizio. L’avvenuta attivazione del servizio e conseguentemente la qualità di correntista Fineco saranno visibili agli altri clienti che hanno aderito al Servizio. I pagamenti nonché le richieste di ricevere denaro possono essere disposti entro i limiti di importo tempo per tempo stabiliti dalla Banca indicati nell’applicazione mobile di Fineco.
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.
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 2020, Fineco maintained its position as no. 1 Italian broker in the "Equity" ranking, with a share of 27.82%. A record achieved in 2004, with a global and wide range of shares, futures, mini futures, CFDs and Forex, and the most advanced apps to stay on top of the markets. Press Release
Standard conditions applied to mortgage requests with final approval given in June 2021 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 June 2021.
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 € 860.94, variable APR 0.65% effective APR 0.91%, 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 € 4,562.28. Total amount due from the consumer: € 103,312.28.
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 € 868.68, variable APR 0.83% effective APR 0.83%, no substitute tax and no preliminary investigation or appraisal fees. Total amount of credit € 100,000. Total cost of the credit € 4,241.96. Total amount due from the consumer: € 104,241.96.
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 € 912.54, variable APR 1.83% effective APR 2.21%, including € 250 of the substitute tax, € 1200 of preliminary investigation fees, € 300 of appraisal fees. Total amount of credit € 98,250. Total cost of the credit € 11,254.94. Total amount due from the consumer € 109,504.94.
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 € 908.98, variable APR 1.75% effective APR 2.13%, including € 250 of the substitute tax, € 1200 of preliminary investigation fees, € 300 of appraisal fees. Total amount of credit € 98,250. Total cost of the credit € 10,827.79. Total amount due from the consumer: € 109,077.79.
10-years Eurirs, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.05%.
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.
Standard interest rate: min APR 3.95% (max EAPR 4.28%) - max APR 6.95% (max EAPR 7.44%). 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 11,909.76 euros to MAX 12,631.20 euros. Substitute tax 27.50 euros; expenses for sending periodic communications: 0.00 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.
Standard interest rate: min APR 3.95% (max EAPR 4.28%) - max APR 6.95% (max EAPR 7.44%). 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 11,909.76 euros to MAX 12,631.20 euros. Substitute tax 27.50 euros; expenses for sending periodic communications: 0.00 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
Messaggio pubblicitario con finalità promozionale. Per tutte le condizioni occorre fare riferimento ai Fogli Informativi e ai Moduli informazioni pubblicitarie, disponibili su questo sito e presso i consulenti finanziari abilitati all'offerta fuori sede Fineco.
Fido Cessione del Credito: TAN Variabile: 2,5% (Euribor 1 mese 360 + 2,5%) - TAEG: 2,5%. Comm. messa a disposizione fondi:0; spese collegate all'erogazione del credito:0; altre spese:0; interessi: 625,0€; oneri:0. Il TAEG è stato calcolato su fido di 25.000 euro accordato a tempo indeterminato; in caso di mancata sottoscrizione del contratto di Cessione del Credito d’imposta, la Banca potrà applicare uno spread del 6,95%. Si assume che il fido abbia una durata annuale e che esso sia utilizzato per intero dal momento della conclusione del contratto. Si ipotizza, inoltre, una periodicità di liquidazione degli interessi su base annuale. L’Euribor (European interbank offered rate) è un tasso interbancario, vale a dire il tasso di interesse al quale le banche prestano denaro ad altre banche. Euribor 1 mese 360 è calcolato come media delle rilevazioni giornaliere dei tassi Euribor del mese precedente a quello in corso e arrotondato allo 0,05% più vicino. Qualora il parametro di indicizzazione assuma un valore inferiore a zero, la Banca applica il cd. tasso minimo o floor, tale per cui il parametro sarà considerato pari a zero.
Il prodotto è accessibile ai soli clienti che:
- sono titolari di conto corrente Fineco da almeno 3 mesi
- non sono già titolari di Fido Garantito (es: Credit Lombard)
La concessione del credito è sempre subordinata ad approvazione della Banca che si riserva la valutazione dei requisiti e del merito creditizio.
* Una delle migliori offerte per importo di credito di imposta liquidato rispetto a quanto acquisito per clienti persone fisiche. Fonte: La Stampa, 19 ottobre 2020.
** Non possono essere accettate richieste di cessione del credito per importi inferiori a 5.000€.
Laddove, a seguito di verifica dell’importo del credito da parte dei fiscalisti EY, l’importo risulti inferiore al minimo sopra indicato, la Banca si riserva la facoltà di non procedere all’acquisto del credito ed applicare le penali previste dal Foglio Informativo.
*** La Banca si riserva di sostituire lo spread agevolato (2,5%) applicato al momento della concessione del Fido con lo spread 6,95% qualora entro 2 mesi dalla data della presente richiesta non sottoscriva il Contratto di Cessione del credito di imposta Superbonus 110% e altri Bonus Edilizi e, in ogni caso, non perfezioni la predetta cessione entro il successivo termine di 18 mesi.
Tutti i prodotti e servizi offerti sono dedicati ai correntisti Fineco.