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Dal 1999 creiamo servizi innovativi e smart per aiutarti a gestire i tuoi soldi in semplicità.

Fineco. Simplifying banking

We has had only one goal since 1999: innovate the bank to make life easier for you.
We have always invested in technology, but we trust in the unique value of human relationships.
This is why we manage to offer you a unique, extraordinary and personalized banking experience, every day.

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 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.

Multi-currency account

Diversifica la liquidità e gli investimenti in ventuno valute mondiali, in real time.

Telepass Fineco

You can travel without queues at the toll booth with the exclusive Fineco Telepass.


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

Digital payments

To pay with your Fineco card all you need is a smartphone or smartwatch. Find out more

Fineco Pay

Scambi denaro senza conoscere l’iban del destinatario. Basta solo il numero di cellulare. Find out more


Ottieni la tua Identità Digitale SPID per accedere ai servizi della pubblica amministrazione.

Più vantaggi per i giovani

Fino al compimento dei 30 anni: canone gratuito per il conto e condizioni vantaggiose per investire.

Scopri l'offerta

Multicurrency: one account, more currencies

Integrated in your EUR Fineco account, Multicurrency is the service that allows you to diversify liquidity and investments and to operate directly in the main world currencies without exchange commissions, only spreads:

  • Buy and sell currencies day and night, 7/7
  • Receive and arrange transfers using just the EUR IBAN
  • Trade in local currencies across global markets
  • Receive and reinvest dividends in foreign currency

Maximise your opportunities

With the introduction of new hours for the currency exchange service, you can buy and sell currencies day and night, even during the weekend, with just a little pause from 11 pm to 2 am.
Get a 40% reduction on the standard spread for conversions of €500,000. And if the value exceeds €1,000,000, the spread is reduced by 50%.














Czech Koruna

Norwegian Krone

New Zealand Dollar

Singapore Dollar

Polish Zloty

Hong Kong Dollar

Hungarian Forint

Danish Krone

multi benefits

Choose your VISA or Mastercard credit card. Also multifunction, with Credit, PagoBancomat and Bancomat® all together. Pay expenses in instalments as well with the Revolving, PagoFacile and Pay by Instalments options that you can enable online.

  • Mono or Multifunction
  • VISA or MasterCard
  • Expenses paid in instalments
  • Increase your maximum limit from the website or app

Check out the Fineco cards

The Fineco world in an app

Access with a fingerprint or FaceID and you can keep tabs on your account, cards and investments.

Automatic budget


MoneyMap classifies, also automatically, inflows and outflows and helps you save with a personalised budget.

View your expenses on Google Maps and you see the most widely used brands at a quick glance.

  • Calculate your monthly savings
  • Group expenses in automatic categories
  • Manual or automatic expense budget
  • Brand Map and Google Map

Choose how to save on MoneyMap

Con MoneyMap hai tutte le spese categorizzate online e non dovrai segnarti nulla su carta

Digital when you need, personal when you want

You can do everything online or from apps, but you can also have a Personal Financial Advisor at home or at the Fineco Center.

And our Customer Care responds also on Sundays and via automated SMSs.

  • Access from website and apps 24/7
  • Over 2,900 consultants throughout Italy
  • Over 400 Fineco Centers
  • Customer care every day of the week

Contact a Personal Financial Advisor

Smart withdrawals,
self-service deposits

Withdrawals even cardless at enabled UniCredit ATMs: all you need is the Fineco app. Withdraw up to €3,000 with MaxiWithdrawal.

You can deposit cash and cheques in the evolved UniCredit ATMs cost-free.

  • Cardless withdrawals too with the Fineco app
  • MaxiWithdrawal from €750 to €3,000
  • Deposit cash and cheques on UniCredit ATMs
  • Withdrawals around the world on VISA or MasterCard

Unlimited purchases

Fineco Card Debit is the card for making withdrawals and purchases around the world, online or in stores, without fees.

Personalise your maximum limits: up to €5,000 in a single transaction.

You can use it to make fast contactless payments up to £30 and with Fineco Digital Payments to pay with your Fineco card online and in shops you just need a smartphone or smartwatch.

Check out Digital Payments

Quick and simple payments

Manage your account and investments anywhere. Set card limits by geographical areas or on specific websites online, change the maximum limit in real time and receive instant notifications on withdrawals and purchases.

Pay your bills also from the app, with a photo.

MAV, RAV, F24, road tax: pay and store online.

Domicile utilities in just a few clicks.

Reload your mobile phone online or with an SMS.

Con i pagamenti online contribuisci a ridurre l’utilizzo di carta e a limitare gli spostamenti

Fineco Gold World Card

Demand more from your card.
Change the everyday ordinary into the extraordinary with exclusive experiences and dedicated services.

Find out more

Fineco works. Simply

We aren't the usual online bank, and neither are we the classic traditional bank. We are a big team made up of people that has had only one goal since 1999: innovate the bank to make life easier for you.

Open your account in just a few steps.

Find a Fineco Centers.

Ask a Personal Financial Advisor.

100% online è la soluzione sostenibile per limitare lo spreco di carta

Sound and secure

Fineco is one of the most solid banks in Italy with a 20.8% CET1.

We combine the best digital technologies with dozens of manual controls to guarantee you the highest security standards.

  • "Disposable" code for instructions
  • Sophisticated automatic and "manual" controls
  • Direct line of contact with the cybercrime authorities
  • Technologies with advanced cryptography

Find out more about FinecoBank

Check out the terms and conditions of the Fineco account

ll conto Fineco prevede un canone massimo di gestione pari a 3,95€/mese che puoi azzerare utilizzando i servizi e i prodotti del conto.

Il conto Fineco è gratis per il mese di apertura.




  • Accredito Stipendio o Pensione
  • Giovani fino a 30 anni
  • Servizio di consulenza evoluta valorizzato ≥ 20.000€
  • Credit Lombard e fido su titoli
  • Risparmio gestito > 40.000€
  • Fondo pensione con versamento annuo ≥ a 1.000€
  • 4 eseguiti trading nel mese.
    Dopo 48 eseguiti il canone è gratis fino al termine dell'anno in corso


Monthly account fee

Gratis i primi 12 mesi. Regolamento

Poi 3,95€/mese azzerabili.

Gratis per i giovani fino a 30 anni. Find out more

Fineco Debit Card

Spedizione a domicilio a pagamento (2,25€)


Withdrawals on the BANCOMAT® circuit (ATMs in Italy) above €99


SEPA Transfers

SEPA transfers to Switzerland and the Principality of Monaco: €9.95


ATM Maxi Withdrawals (up to €3,000 per day)

Service available at all UniCredit advanced ATMs


Cash and cheques Deposit

Service available at all UniCredit advanced ATMs


MAV and RAV payment


SEPA Direct Debit charges


Payment of Form F24


Mobile top-ups



€5.95 for home delivery


Securities custody service


Automatic bonds and funds transfer


Satisfied customers

Millions of customers

Fineco Centers

Personal Financial Advisors

In terms of customer experience

Potrai azzerare il costo mensile di 3,95€ utilizzando i servizi e prodotti del conto Fineco:
  • + 3,95€ di bonus con accredito Stipendio o Pensione
  • + 3,95€ di bonus per i giovani fino a 30 anni
  • + 3,95€ di bonus con servizi di consulenza evoluta valorizzati ≥ 20.000€
  • + 3,95€ di bonus con Credit Lombard e fido su titoli
  • + 3,95€ di bonus con un patrimonio di Risparmio gestito > 40.000€
  • + 3,95€ di bonus con Fondo pensione con versamento annuo ≥ a 1.000€
  • + 3,95€ di bonus con 4 eseguiti trading eseguiti nel mese

Inoltre, al raggiungimento di 48 ordini trading, il canone è gratis per tutto l'anno in corso a partire dal mese del raggiungimento della soglia. Se la soglia viene raggiunta l’ultimo mese dell’anno, non sono previsti altri periodi di gratuità oltre al mese in corso.

Nel caso in cui entro il terzo mese successivo all'apertura del conto siano presenti 40.000€ di gestito, oltre alla gratuità del mese in cui si verifica la condizione, la banca provvederà a stornare anche gli eventuali canoni pagati nei due mesi precedenti. Leggi i Fogli informativi e documenti di trasparenza

La presenza di un accredito dello stipendio, della pensione o di un movimento in ingresso di un importo pari o superiore a 1.500€ per tre mesi consecutivi sul conto garantisce il rimborso integrale del canone del conto per il mese di accredito (considerando la data operazione).

Rientrano nel conteggio del calcolo del bonus di 1€:

  • Fondi comuni d’investimento e sicav
  • Gestioni Patrimoniali
  • Assicurazioni

Rientrano nel conteggio del calcolo del bonus di 1€:

  • Azioni e Obbligazioni
  • ETF, ETC
  • CW & Certificates
  • Derivati (CFD, Futures e Opzioni)

In caso di conto cointestato e di doppio accredito dello stipendio o pensione il bonus massimo cumulabile è di 1€.

Ai fini del calcolo del bonus si considerano i seguenti Fidi Garantiti:

  • Credit Lombard
  • Fido con Pegno
  • Fido garantito da titoli con Mandato a Vendere

Per ottenere il Bonus i fidi devono essere utilizzati

Ai clienti più giovani Fineco offre lo sconto totale del canone mensile.

L’addebito del costo mensile parte dal mese successivo a quello in cui il titolare del conto compie 30 anni.

In caso di conti cointestati lo sconto è garantito solo se tutti gli intestatari hanno meno di 30 anni.

E' garantito lo sconto integrale del costo mensile del canone ai clienti con un dossier di consulenza Advice o Plus valorizzati ≥ 20.000€ e collegati al conto di regolamento su cui è previsto un canone pari a 3,95€.

Il costo mensile del conto corrente è azzerato anche nel caso in cui gli intestatari beneficiano dello sconto totale applicato ad altro conto parimenti intestato.

Rientrano nel conteggio del calcolo del bonus:

  • Fondi comuni d’investimento e sicav
  • Gestioni Patrimoniali
  • Assicurazioni

Inoltre, nel caso in cui entro il terzo mese successivo all’apertura del conto siano presenti 40.000€ di gestito, oltre alla gratuità del mese in cui si verifica la condizione, la banca provvederà a stornare anche gli eventuali canoni pagati nei due mesi precedenti.

Al cliente è garantito il rimborso integrale del costo del conto in presenza di almeno un fondo pensione con versamento annuo pari o superiore a 1.000€ e associabile ad un conto corrente.

Il controllo viene effettuato in base all’importo del versamento annuo nel fondo pensione.

Al raggiungimento di 1.000€ di versamento annuo sul fondo pensione, sarà garantita la gratuità del canone a partire dal mese di raggiungimento della soglia e fino alla fine dell'anno in corso.

Se la soglia delle 48 operazioni viene raggiunta l’ultimo mese dell’anno, non sono previsti altri periodi di gratuità oltre al mese in corso.

Advertising message for promotional purposes.For all the terms and conditions related to the products and services advertised, reference should be made to the information sheet and advertising information forms and to the information documents required by the regulations in force, available in the Transparency section of the website and from the financial advisors authorised to offer products and services outside Fineco's offices. All products offered are reserved for Fineco account holders.

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 list).

Card Gold World: to view all the financial and contractual terms and conditions of the product, please refer to the Information Sheet, as well as to the FinecoBank S.p.A. Personal assistance policy issued by SARA Assicurazioni, available on the website and the website. Credit is granted subject to the approval of the Bank.

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, sezione "Gestione conto > Gestione Servizi".

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.

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.

CET1: Source of data: PR - Results FY22

96% Satisfied customers. Source of data: KANTAR Italia - May 2022

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.

Contracts For Difference (CFD) trading is available to clients following the assessment of their knowledge and experience 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. 68.01% 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: 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

Versione italiana

Fineco UK

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.