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The main FinTech bank in Europe

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 free contactless card for withdrawing and paying in Italy and abroad.

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.

Multi-currency account

Diversify your liquidity and invest in USD, CHF and GBP.

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.

Online loans

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

Credit lines and Lombard

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


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


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


Reload your mobile phone at zero fees, automatically.

Account-keeping fee


Debit Card 1


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


SEPA Transfers 2


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


Cash and cheques Deposit 3


MAV and RAV payment


SEPA Direct Debit charges


Payment of Form F24


Mobile top-ups


Chequebooks 4


Securities custody service


Automatic bonds and funds transfer


1) No fee. Home delivery for a fee (€2.25) | 2) SEPA transfers to Switzerland and the Principality of Monaco: €9.95 | 3) Service available at all UniCredit advanced ATMs | 4) €1.95 for home delivery

The beauty of simplicity

Designed for who really uses it every day. This is why Fineco is not only simple to use, but also nice to look at.

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.

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 2,500 consultants throughout Italy
  • Over 380 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 free 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 also use it contactless and with Apple Pay.

Check out the Fineco cards

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.

The Fineco world in an app

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

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

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

Sound and secure **

Fineco is one of the most solid banks in Italy with a 21.16% 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

Satisfied customers

Millions of customers

Fineco Centers

Personal Financial Advisors

In terms of customer experience

Want to know more? Leave us your details and one of our specialists will get back to you.

Would you like to receive updates about FinecoBank’s news? Read the informative documentation and make your choices:

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Data processing for profiled purposes, also based on data enrichment
Vai a Fineco rewards you

Fineco rewards you

Discover all current promotions and choose the one that suits you.

Vai a Bring Fineco with you!

Bring Fineco with you!

Log into your account anytime from smartphone and tablet.

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.

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 5,000 €.
It is possible to have the service only to participating banks (consult the list).

MoneyMap is an additional service for Fineco current accounts. To view all the terms and conditions for the advertised services, please refer to the information sheets, the Rules governing the MoneyMap service and the documentation required under current regulations. All services require the client to open a Fineco current account.

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.

96% Satisfied customers. Source of data: Data processing on Kantar TNS data – December 2018

** Source of data: 2018 Consolidated Reports and Accounts

Versione italiana

Fineco desidera informare i propri Clienti residenti o aventi sede legale e/o operativa in uno dei comuni interessati dagli eventi calamitosi del 26 Dicembre 2018 che hanno colpito il territorio dei Comuni di Aci Bonaccorsi, Milo, Trecastagni, Aci Catena, Aci Sant’Antonio, Acireale, Santa Venerina, Viagrande e Zafferana Etnea, in provincia di Catania, della facoltà di richiedere la sospensione del pagamento delle rate dei mutui ipotecari relativi a edifici distrutti o 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) fino alla ricostruzione, all’agibilità o all’abitabilità del predetto immobile e comunque non oltre la data di cessazione dello stato di emergenza.
La domanda di sospensione dovrà essere presentata entro il 15 Febbraio 2019 e dovrà essere assistita da un’autocertificazione che attesti il danno subito dall’immobile per cui si richiede l’attivazione della sospensiva, resa ai sensi del D.P.R. 28.12.2000, n. 445.

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 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. Il piano di ammortamento si allungherà dunque di un periodo pari a quello per cui si è interrotto.
L’esercizio sarà gratuito e non oneroso, ovvero non saranno addebitati interessi maturati durante il periodo di sospensione. Inoltre potrà essere revocata dal mutuatario in qualsiasi momento.
Per maggiori informazioni nonché per richiedere la sospensione delle rate, è possibile contattare il Customer Care.