Mini menu

MY ACCOUNT IS MULTI-CURRENCY

A single account to pay, invest and manage liquidity. Now in 12 different currencies.

Find out more

currencies

Your home project

The flexible way.

REMIX MORTGAGE

MY APP HAS MORE STARS THAN A LUXURY HOTEL

App 4.6 stars for about 150,000 reviews

MY ACCOUNT IS MAXI WHEN I NEED IT

Maxi Purchase and Maxi Withdrawal let you increase your card's cash withdrawal and payment limits in real time

ALMOST EVERY STORE ACCEPTS MY SMARTPHONE

With contactless mobile payment solutions get your smartphone close to the terminal and it's done

SMART WITHDRAWAL MAKES EVERYTHING EASIER

Cardless smart withdrawal, directly from your App

  • FTSE MIBN/D
  • DAX30N/D
  • NASDAQN/D
  • DOW JONESN/D
  • EUR/USDN/D

N/D

Fineco Sustainability Award

The Bank has been recognised as one of the top ranking Italian companies in terms of sustainability indices according to Standard Ethics at the ESG Awards organised by Milano Finanza.

Source: MF - Milano Finanza

The simple and trasparent account

  • No account-keeping fees. Ever
  • No-fee Fineco Card Debit
  • Integrated multicurrency account
  • Free ATM withdrawals above € 99 1
  • Automated deposits
  • Smartphone and tablet app
  • Smart Withdrawal without your card

the fineco account

Fineco and Google Pay

The new way to pay using your Android device. Find out more

The right place to invest

  • Advanced financial advice
  • The best investment funds
  • Corporate governative bonds
  • €19 max. for online securities purchases
  • No fees on custodian services
  • Over 380 Fineco Centers throughout Italy
  • Automatic bonds and bank trasfer

invest with fineco

Fineco with Apple Pay. Add your Fineco card to your Apple Pay app to shop in-store, in-app or online any time you like.

Over 2,500 Personal Financial Advisors

They listen to you carefully, know your values, analyse your expectations and your investment needs. Then they propose the most appropriate answers and guide you in the construction of your portfolio with made-to measure investment, unbiased advice and access to unique products.

Find out more about the advantages of investing with Fineco

Advice: cutting-edge advisory services

Advice is not all the same. Our Personal Financial Advisors select the best products on the market for you and, with Fineco Advice, build a personalized investment plan. Without any constraints in terms of choice, methodically, transparently and in total freedom.

Find out more about Fineco Advice

Core Series: Quality above all

With Core Series nothing but the best: funds of funds that encompass the quality, experience and most sophisticated technology of the best managers on the market. Core Series in fact selects only high quality funds with the best ratings.

Find out more about Core Series

Since 2004
No. 1 in Trading

  • 26 worldwide markets in real time
  • CFD, Indexes and US shares at no fees
  • Forex, Futures & Options
  • Italy at just €2.95 per execution
  • Three multifunctional platforms
  • All the tools the professionals use

the no. 1 in trading

Now you can do serious trading

Revolutionize your trading with PowerDesk: a trading room in your own home. One easy, customisable interface: all push markets, margin-setting, CFDs, automatic orders, trading charts, spread view, news and much more.

Find out more about PowerDesk

Explore the markets with Stock Screener

Selecting the most interesting bonds for your trading has never been so easy and fast. With the new Stock Screener you get many filters divided into 5 macro categories and Search Ideas to explore the market choosing between tons of preselected searches.

Discover Stock Screener

No. 1 in trading

Choose Fineco for your trading: 26 international stock markets and more than 50 currency exchanges, real-time quotations, book in push, interactive charts and customizable lists. In addition to long and short intraday and multiday margin-setting and all the tools for professional trading.

Find out more

Do you want more information?
We have the answer you need.

Open a Fineco account. It only takes 5 minutes with your webcam.

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.

* Market leader since 2004.Source: ASSOSIM - "Periodic annual reports from 2004 to the present day on the trading data of Assosim members regarding markets managed by Borsa Italiana S.p.A., markets managed by Euro TLX SIM SpA" - Third-party account operations data.

Max €19: you pay a maximum of €19 per online trade executed, (excludes the Spanish, British and Swiss stock markets and the French, Dutch and Portuguese bond markets). This can fall to as low as €2.95 if you are on our step-decrease plan.

Fineco Card Debit: shipping charges of € 2.25.

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

Apple Pay can be used only on Fineco Cards registered to current account holders, excluding cards registered to third parties (Link card and reloadable card for third parties) and V PAY cards. It is necessary to have an enabled Apple device to use Apple Pay. For more information, visit the dedicated page on the Apple website.
Apple Pay works with iPhone 6 or later models in stores and apps and on websites; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 or later models in apps and on websites; in Safari on Mac using an iPhone 6 or later model or an Apple Watch enabled per Apple Pay. Apple Pay can be used on the Visa Mastercard circuits. Before paying, it is necessary to add the cards to the Wallet as specified on the dedicated Apple website.
Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac and Safari are trademarks of Apple Inc., registered in the USA and in other countries. iPad Pro is a registered trademark of Apple Inc.

Google Pay™ is compatible with all Android smartphones, starting with version 5.0 (Lollipop) or later. To pay in stores, the smartphone must be equipped with NFC technology. You can also use Google Pay on smartwatches with Google Wear compatible OS. 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 FinecoBank upon activation of the service. Google Pay can only be used on Fineco Cards in the name of current account holders, excluding cards in the name of third parties and V PAY cards. To use Google Pay you need an Android device with NFC technology. For further information, please consult Google Support

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.

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.

Contracts For Difference (CFD) trading is available to clients following the assessment of their knowledge of derivative instruments and the subscription of the Derivative Trading Contract.
CFDs (Contracts for Differences): a CFD is a financial derivative, which you can buy or sell with FinecoBank as your direct counterparty. Its value is directly related to that of an underlying asset (securities, indices, currencies, futures on bonds, futures on volatility indicators and futures on commodities) and consequently follows the price movement in the underlying asset. In particular, in CFD trading your profit/loss is given by the difference in value between the opening price and the subsequent closing price of the contract. The opening price and the closing price are determined by the Bank applying, if appropriate, a mark-up or a spread on the underlying price to the extent indicated by the economic conditions at the time. CFDs are characterized by a strong leverage effect. This means that a relatively small price movement in the underlying market will have a proportionally higher impact on the value of your margined position and an unfavourable price movement may result in losses exceeding your initial margin deposit (increasing underlying price for short positions, decreasing for long positions). CFD Positions open for more than a working day (overnight) are subject to a multi-day position fee.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 73.93% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.Before trading in CFDs, please read carefully the Key Information Documents (KIDs) available on the website: finecobank.com.Leverages offered are differentiated according to the type of underlying and customer classification: up to 28.57 times for retail customers and up to 100 times for professional customers.For the economic conditions, features, nature and risks of the products, reference must be made to the contract supplements (delete links to contract supplements) concerning the services for receiving and transmitting orders and for executing orders on behalf of customers also by negotiating derivative financial instruments, as well as to the relevant Product Sheets and Operating Rules, available on the website finecobank.com

MORTGAGES

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 2019.

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 € 879.30, variable APR 1.08% effective APR 1.34%, 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 € 6,766.03. Total amount due from the consumer: € 105,516.03.

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 € 894.61, variable APR 1.43% effective APR 1.43%, no substitute tax and no preliminary investigation or appraisal fees. Total amount of credit € 100,000. Total cost of the credit € 7,353.42. Total amount due from the consumer: € 107,353.42.

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 € 890.22, variable APR 1.33% effective APR 1.59%, 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 € 8,076.38. Total amount due from the consumer € 106,826.38.

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 € 886.93, variable APR 1.25% effective APR 1.52%, 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 € 7,682.18. Total amount due from the consumer: € 106,432.18.

10-years Eurirs, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.50%.
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.

Versione italiana