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Tailored for business

Simple, innovative and with lots of experience, Fineco Business account is the turnkey solution for your small business or professional service firm.

You have 200 free-of-charge transactions per year with a monthly fee of only 5.95 euros. And in addition SEPA bank transfers and unlimited free ATM withdrawals above 99 euros at UniCredit ATMs.

Fineco Business account won the MF Innovazione Award 2015 in the category Servizi di Conto Corrente e Pagamento per imprese.
Source: Atlante delle Banche 2015 di Milano Finanza

Find the card that's right for you

Fineco Card Debit: accepted worldwide, it supports online and contactless payments and you also have unlimited free BANCOMAT® ATM withdrawals above 99€ and no annual fee.

  • Customizable limits and ceiling directly from website and app
  • Maxi withdrawals up to €3,000
  • Maxi purchase up to €5,000
Find out more about Fineco cards

Give your plans a boost

Need a bit of extra help to grow your business? We have the solution for your every need.

Personal loans

Up to €50,000 for turning your dreams into reality. You can apply online, and pay back in convenient monthly payments from 12 to 84 months.

Find out more

Credit line on securities and funds

A credit line on your securities and/or funds that lets you get up to €500,000, directly on your account, without commission and without divesting your portfolio.

Find out more

Mini credit line

A credit line of 3,000€ available on your account to easily manage any need. Without arrangement costs or commission.

Find out more

Overdrafts up to €20,000

Pledge your portfolio securities as collateral — ownership remains yours and you can sell them whenever you like.

Find out more

Credit is granted subject to the approval of the Bank, which reserves the right to assess requirements and creditworthiness. All products and services offered by Fineco require the client to open a current account.

With you wherever you go

Access your bank account anytime, anywhere to check on account movements and transactions when you need to. It's all archived online (credit transfers, postal bills).
And with automatic alerts you can know everything about your account, as it happens: receive an SMS every time a transfer is made or when you use your debit card or credit card.
Fineco app gives you the most complete array of tools in Europe for you account, cards and investments.

Your Business account at a touch

Make your savings grow

In Fineco so many opportunities to choose the most suitable investment for you, alone or with a Personal Financial Advisor.
So many products, including insurance solutions full of tax and succession advantages, as well as tools for managing emotionality and market timing errors.
Trade like a professional.
The market leader for the Borsa Italiana since 2004.

Investment solutionsChoose trading

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.

Lots of services, low costs

General
Monthly fee€5.95
Number of transactions included in the fee200/yearly
Account closureFree
Interest
Lending rate0%
Commissione di Istruttoria Veloce (CIV) per sconfinamenti extra-fido e in assenza di fidoNone
Transactions
SEPA TransfersFree

(Except for Switzerland and the Principality of Monaco: 9.95€)

Withdrawals on the BANCOMAT® circuit
(UniCredit machines)
Free if you withdraw above 99€
0.80 EUR if you withdraw up to 99€
Withdrawals on the BANCOMAT® circuit
(ATMs other than UniCredit Group ATMs)
Free if you withdraw above 99€
0.80 EUR if you withdraw up to 99€

(1.95€ to be added when you exceed the limit of 200 free account transactions per year)

Online account statement (Fineco Report)Free
Telepass Family chargeFree
Mav and Rav paymentsFree

(1.95€ after the first 200 transactions per year)

Postal payment slips€1.55

(excluding postage costs)

Direct debit/Utilities paymentsFree
Payment of Form F24Free

(1.95€ after the first 200 transactions per year)

Mobile top-upsFree
Chequebook delivery€4.95
In-branch deposits€2.95
In-branch withdrawals€4.95
Automated depositsFree

(1.95€ after the first 200 transactions per year)

Cards
Fineco Card CreditAnnual fee: 19,95€
Fineco Card DebitFree
Link credit cardAnnual fee: 19,95€
Card statementFree online
Loans
Amount allowed€2,000 to €50,000
Repayment12–84 months
Trading
Italian shares and ETFs and Europefixed fee of min €2.95 max €19

(starting fee €9.95 only for the first month)

Shares and US ETF (Nyse, Amex, Nasdaq)fixed fee of min €3.95 max €12,95

(starting fee €9.95 only for the first month)

Government, Italian and foreign bondsfixed fee of min €2.95 max €19

(starting fee €9.95 only for the first month)

Funds€/$0 per order
Securities transfer fee (outgoing)Free
Information sheets

The 200 yearly transactions included in the fee are:

  • Sepa Direct Debits
  • Cash and cheques payments via enabled ATMs
  • F24 direct debits
  • Withdrawals on the BANCOMAT® circuit at UniCredit Group ATMs
  • Withdrawals on the BANCOMAT ® circuit at ATMs other than UniCredit Group ATMs
  • MAV, RAV, RIBA
  • Italian and SEPA credit transfers
  • EU foreign transfers up to €50,000
  • Cheques payments via PFA

Over the limit of 200 free transactions per year, the following transaction will be charged €1.95 each:

  • F24 direct debits
  • Cash and cheques payments via enabled ATMs
  • Withdrawals on the BANCOMAT ® circuit at ATMs other than UniCredit Group ATMs
  • MAV, RAV, RIBA
  • Cheques payments at desk via PFA

All other transactions included in the fee remain for free, also in case the tolerance threshold is exceeded.

Vai a Where, how and how much do you spend?

Where, how and how much do you spend?

MoneyMap shows all your spending, direct from your smartphone.

Vai a STARS: the high-quality selection

Support 7 days a week

Customer Care is always at your disposal, even on Sundays.

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

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.

Our Small Business accounts are for one holder and are especially for freelance professionals and sole traders. To view all the terms and conditions for the advertised products and services – and for any information not expressly provided – please refer to the information sheets, Advertising Information forms and required under current regulations required under current regulations. Cards are issued and current account overdrafts/loans are granted subject to the applicant meeting the necessary requirements and approval by the Bank.

All products and services offered by the Bank require the client to open a Fineco current account.

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.