Discover the account that has revolutionised banking and simplified the lives of hundreds of thousands of people. Zero costs and a huge range of services: one account, with 98% client satisfaction.
Fineco Card Debit
With a single PIN, to withdraw and purchase with direct debits on your account.Find out more
A range of benefits
Zero-fee account, ATM deposits and Maxi withdrawals up<br/>to €3,000. Find out more
Using the Fineco app you can manage your account from tablet and smartphone any time.Find out more
Save with MoneyMap
Where, how and how much do you spend? Find it out with MoneyMap and start saving right away.Find out more
Choose the Fineco Card Debit, with a single PIN, to withdraw at ATMs throughout Italy. Purchases with direct debits on your account and customizable limits and ceiling directly from website and app.
ATM withdrawals anywhere and many extra services, including convenient travel insurance. Find out more
With the revolving card, you pay for purchases of up to €2,000 with a fixed monthly installment. Find out more
ATM withdrawals and with Maxi withdrawals up to €3,000 from any UniCredit ATM. Find out more
You can deposit cash and cheques free of charge at any of the UniCredit advanced ATM. Find out more
Start saving keeping tabs on your income and expenses with MoneyMap, the household budget built into your Fineco current account.
Lots of useful services
Lots of tools to keep tabs on your portfolio, no matter where you are. Find out more
Income and expenses are categorised automatically into pre-established categories. Find out more
Set a budget
Define your budget and monitor your savings to see where, how and how much you spend. Find out more
Your budget in an app
Create and manage your household budget, even on the move. Easy and intuitive. Find out more
With the Small Business account Fineco places innovation, experience and simplicity at your service to manage your small business or your professional studio.
Lots of services
Free bank transfers in Italy, no fees on withdrawals from UniCredit ATM, utilities, taxes, MAV and RAV. Find out more
Each 3 months, 50 transactions included and the flexibility of a Fineco account at €5.95 per month. Find out more
More time for your business
You can carry out banking transactions online and check them whenever you need to. Find out more
The Fineco cards
Find the right card for you: Fineco Card Credit, Fineco Card Debit, Gold, Reloadable or Extra. Find out more
Fineco offers many solutions to turn your plans into reality. A mortgage, a loan or simply a current account overdraft facility in order to have cash available to realize all your dreams. Choose the one that best suits your needs.
Whether you need to subrogate your mortgage or you wish to purchase your first house, Fineco has the solution.Find out more
Overdraft on account
€3,000 in your current account always on call to meet your needs. Apply online at no cost. Find out more
Make your projects come true
Fineco loan up to €50,000. Apply online using your digital signature.Find out more
The exclusive soluition to obtain extra cash, without divesting.Find out more
The Fineco mortgage for your greatest projects. Simulate the instalment plan and apply directly online from your personal area.
Do you have a mortgage with another bank? Bring it to Fineco and discover our special conditions.Find out more
Up to €500,000 in cash to use as you please secured by your home.Find out more
To purchase your new house, choose the Fineco Mortgage. Discover our special conditions.Find out more
Substitute your old mortgage and obtain additional cash to finance your plans.Find out more
Fineco Loan to realize what you wish with simplicity. Apply directly online from your reserved area.
Professional advice, transparent pricing and one of the broadest service offerings on the market. That's why Fineco is Europe’s most popular direct bank for investments.
Personal Financial Advisor
Our independent PFAs are standing by to provide unbiased assistance with your decisions. Find out more
Possono consentirti di soddisfare esigenze fiscali, successorie e di protezione, tue e dei tuoi cari. Find out more
Total confidentiality and ongoing monitoring of your own <br/> investments. Find out more
Invest in excellence
With CORE Series you can get the best multi-brand products on the market with one investment. Find out more
The innovative financial investments consulting service. Our Personal Financial Advisors, Advice certified, always have everything under control in 3 phases.
This is the check-up on your investments that assesses risks and the opportunities connected to them. Find out more
Your Personal Financial Advisor defines an investment strategy based on your goals. Find out more
Essential for any re-budgeting with respect to the initial goals. Find out more
The unit-linked solution full of tax and successor benefits. Find out more
To best meet your needs, our Personal Financial Advisors have the Fineco starsat their disposal: a range of products selected according to a careful and constant quantitative and qualitative analysis.
Only the best
Analyse and select the best funds available on the Fineco platform.Find out more
With your advisor keep tabs on the quality of the tools in your portfolio. Find out more
Guarantees maximum awareness of your investment trends. Find out more
More than 800 selected funds and 21 building blocks to diversify your investments. Find out more
Excellence and customisation without compromise. A careful selection of funds from the major international investment houses to offer you only the best.
Select the funds with the best ratings and recombine them into multibrand solutions. Find out more
Tutela oggi il tuo reddito futuro con il fondo pensione aperto offerto in esclusiva da Fineco. Find out more
The CORE Series cost averaging plan builds your portfolio step by step. Find out more
Quality and transparency
Always free to change your investment choices at no additional cost. Find out more
The innovative Fineco advisory service. More freedom, more vision, more control, more opportunity.
Take advantage of all the opportunities available at Fineco: Funds and SICAVs, sharesi, bonds, ETFs, ETCs Find out more
Complete and always up to date reports, also from your mobile device Find out more
Constant monitoring with possibility to set automatic alerts Find out more
Your advisor can guide you toward the optimisation of your financial choices Find out more
Your Fineco Personal Financial Advisor can propose the investments which are best suited for your needs with a professional financial planning method without choice restrictions.
In the office, on the telephone, in the Fineco Centres, at home and on-line: your advisor is always at your disposal. Find out more
Your advisor proposes Advice, the personalised service for clients with large equity. Find out more
Complete management of your wealth
Fineco Private Banking, the point of reference for high profile customers. Find out more
To sign documents in electronic format and view them from your account. Find out more
With Fineco you can access markets around the world in real time and with total control. There are four platforms available, so you can trade wherever and whenever you like. Trade like a professional with our market-leading services.
Shares, derivatives, currencies, bonds: Italian and overseas options, in a single account. Find out more
Speed and simplicity
Three platforms to help you trade like a professional – even from your tablet or smartphone. Find out more
Cut your costs
Trade in Italian stocks and bonds, with a maximum commission of €19 per order, which can drop to €2.95. Find out more
26 world stock markets and more than 50 Forex markets with real-time prices. Find out more
With Fineco you can have access to 26 global stock markets from just one account with quotations in real time, while having four platforms and thousands of Italian and foreign tools always at your disposal.
Thousands of shares from all over the world, in margin-setting and local currency as well: USD, GBP and CHF. Find out more
More than 6,000 products from all over the world including Government securities, bonds and stocks. Find out more
More than 150 CFDs on shares, indexes, currency, and commodities, and more than 150 CFDs Logos Time. Find out more
Invest on-line in the currency market in real time without activation commissions and fees. Find out more
You can follow 26 markets in real time from the comfort of your home, paying a maximum of €19 per order, but you can also lower the amount to €2.95 by increasing your activity.
Commissions: Italy as low as €2.95 per order executed, America as low as $3.95, Germany and France as low as €4.95. Find out more
More trading, less fees
You can reduce the maximum commission by choosing the step-decrease plan. Find out more
Invest on-line in the currency market in real time without activation commissions and fees. Find out more
With €/$500 in trading commissions you earn the reduced level. And it carries over to the next month too. Find out more
Three customisable platforms for you to be a key player in on-line trading, with your own style, where and when you want. Also available for tablets and smartphones so you can even trade on the move.
The most used platform in Italy: simple and customisable. Free with 5 orders executed. Find out more
Trading has never been so easy and fast thanks to the intuitive searches and pre-set filters to operate on all markets. Find out more
Access 26 international stock markets directly from the Fineco site in the comfort of your own home. Find out more
Trading in your pocket
You can even trade on the move with apps for Apple and Android. Find out more
Leverage, protection and all the services that simplify your trading: maximum control at the tip of your fingers and in the best possible conditions, even via web and smartphone. All in complete security.
Trade only with part of the liquid funds required and multiply the results up to 20 times. Find out more
Set Stop Loss and conditioned orders to manage your portfolio or invest. Find out more
Diversify liquid funds and investments in Dollars, Pound Sterling and Swiss Francs directly on-line. Find out more
Activate the service and with securities in your portfolio you can have up to 5% gross annually. Find out more
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Taking advisory to a whole new level
Discover Fineco Advice, the innovative personalised consulting service for your investments. With Advice your Personal Financial Advisor will be able to satisfy even the most complex needs: such as succession planning and tax efficiency.
Keep your investments firmly on the right track with Fineco Advice. Our Personal Financial Advisors select the best products for you without limitation and put together a personalised investment plan, guaranteeing ongoing assistance to help you make smart investment decisions – with method, transparency and complete freedom.
Advice. How it works
Your Advice-certified Personal Financial Advisor will guide you through a three-step investment process to arrive at the best decisions for you. Those steps are: Diagnosis; Investment Planning; and Monitoring. To give you maximum control over your portfolio strategy.
Diagnosis involves an initial check-up on your current investment portfolio. The quality of your investments is analysed, including those held with other banks, with an overall assessment made of risks and opportunities.
The quality of your current investments is analysed
2The risk level and performance of your investments is measured
3VThe effective composition of your portfolio is identified
All this to give you a preview of how your money might grow over time.
At the end of this first step you will receive a Portfolio Diagnosis showing the health of your wealth.
On the basis of your goals and plans, your Personal Financial Advisor will identify a suitable investment strategy based on the independent selection of the best products available, after having established:
Your desired appetite for risk
The time horizon most compatible with your objectives
Your primary and secondary investment objectives.
An efficient portfolio will then be created for each of your objectives, with the best products chosen without restriction and without conflict of interest. With Fineco Advice, the fee you pay is set in advance and is in no way linked to the products placed in your portfolio.
The outcome is a personalised investment plan built on the best investment strategy to achieve your goals.
Fineco Advice constantly monitors your investments by tracking their performance, effective risk levels and any mismatch between the portfolio and the initial investment plan. If any major drift is found, together with your Personal Financial Advisor you can choose to step in and rebalance the portfolio, as necessary.
This way you can:
Control your portfolio’s performance vis-à-vis your objectives
Take swift action in the event of market swings
Manage your investments professionally and with sound method.
Fineco Advice guarantees regular detailed reports on your investment objectives. Specifically, it monitors your portfolio's performance over time in terms of:
The efficiency of the portfolio
Its match with your chosen objectives
The quality of the products held
Performance and the risk/return profile
A detailed report on the performance of your investment plan will be sent to you every four months.
More benefits with Advice Unit
Advice Unit is the unit-linked policy that combines maximum personalisation of investments, also thanks to 7 Internal Insurance Funds (IIF) managed automatically and featuring an increasing volatility, with insurance instrument benefits, such as the deferral of tax on capital gains, the exclusion from the hereditary line and much more.
Innovation & security
The innovative web collaboration tool puts you in direct contact with your Personal Financial Advisor fast and easy via the Internet. After opening the service contract there will be nothing more for you to sign on paper. All operations can be viewed directly in the reserved section of the Fineco website, ensuring security and fast execution of orders.
With your Personal Financial Advisor always by your side
Fineco Advice: is a fee-based investment advisory service reserved to Fineco current account holders. It is promoted and can be purchased exclusively through the Fineco Financial Advisors network, where the terms and conditions of the service can be found. The advisory service does not in any way entail any promise or warranty regarding financial returns. Accordingly, the Bank accepts no liability for any losses of any kind borne by the client or for earnings that are lower than expected.
ADVICE UNIT is a unit-linked life insurance policy of Eurovita S.p.A., exclusively distributed by Fineco and which can only be subscribed to through the Fineco Financial Advisors network, from whom the contractual and financial conditions of the service can also be obtained. The policy can be subscribed to by those customers who do not have a "Cautious” MiFID Advice profile. The market risk of the product is linked to the performance of the asset allocation chosen by the customer; there is no guarantee of repayment of the principal or a minimum guaranteed return. Counterparty risk is present in each individual underlying fund and is linked to the creditworthiness of the issuers of the securities in which the funds invest. Signing up to the optional and additional Periodic Coupon Program service carries a fixed cost of €3.
A testimonianza dell’attenzione verso la propria Clientela, FinecoBank ha deciso d’intraprendere un’azione a favore dei Clienti danneggiati dal crollo del Ponte Morandi a Genova il 14 agosto 2018, titolari di mutui ipotecari relativi a edifici resi inagibili anche parzialmente, ovvero alla gestione di attività di natura commerciale ed economica svolta negli stessi edifici. L’iniziativa prevede che il Cliente che si trovi in condizione di difficoltà per i danni subiti dall’immobile, ferma restando la regolarità del piano dei pagamenti, possa richiedere la sospensione del pagamento delle rate dei mutui (quote capitale e quote interesse) per 12 mesi dalla data di presentazione della richiesta. La domanda di sospensione dovrà essere presentata entro il 15 Ottobre 2018 e dovrà essere assistita da un’autocertificazione che attesti il danno subito. 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. Resta inteso che, nel periodo di sospensione, non si procederà con alcuna segnalazione di insoluto alle Banche Dati relativa alle rate sospese. Le rate sospese inizieranno a decorrere al termine del periodo di ammortamento originariamente previsto dal finanziamento, mantenendo la loro attuale periodicità. L’esercizio sarà gratuito e non oneroso, ovvero non saranno addebitati interessi maturati durante il periodo di sospensione. Per maggiori informazioni nonché per richiedere la sospensione delle rate, è possibile contattare il Customer Care.
FinecoBank S.p.A. - Part of the UniCredit Banking Group enrolled in the Register of Banking Groups at No. 020081 - Registered Office Piazza Durante 11, Milan 20131 - Headquarters Via Rivoluzione d'Ottobre 16, Reggio Emilia 42123 - Share capital €200,773,450.35, fully subscribed and paid-in - ABI Code 3015,5 - VAT No. 12962340159 - Tax ID No. and Milan Companies Register No. 01392970404 - Economic and Administrative Index (REA) No. 1598155 - Member of the National Compensation Fund and the National Interbank Deposit Guarantee Fund. Fineco Bank is a trademark licensed for use by FinecoBank S.p.A.