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BancoPosta

Conto BancoPosta - Opzione Start

€7.00 / month

Standard fee: €7.00 / month

€5.00 / month

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. The greater of the sum of salaries/pensions and the maximum single SEPA transfer, instant, extra-SEPA, or postagiro is considered; the postagiro must come from a different account holder. Qualifying amount 600,00–€1,500.00.

€4.00 / month

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. The greater of the sum of salaries/pensions and the maximum single SEPA transfer, instant, extra-SEPA, or postagiro is considered; the postagiro must come from a different account holder. Qualifying amount 1.500,01–€2,500.00.

€3.00 / month

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. The greater of the sum of salaries/pensions and the maximum single SEPA transfer, instant, extra-SEPA, or postagiro is considered; the postagiro must come from a different account holder. Qualifying amount at least €2,500.01.

Other fee options (4)

Fees and discounts

Select a fee only if all its conditions apply; discounts do not stack.

€5.00 / month Conditional

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. The greater of the sum of salaries/pensions and the maximum single SEPA transfer, instant, extra-SEPA, or postagiro is considered; the postagiro must come from a different account holder. Qualifying amount 600,00–€1,500.00.

All of these conditions

  • Qualifying amount 600,00–€1,500.00.

Reductions A (credits) and B (assets) can be combined up to the total elimination of the monthly fee; only one tier for each group.

€4.00 / month Conditional

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. The greater of the sum of salaries/pensions and the maximum single SEPA transfer, instant, extra-SEPA, or postagiro is considered; the postagiro must come from a different account holder. Qualifying amount 1.500,01–€2,500.00.

All of these conditions

  • Qualifying amount 1.500,01–€2,500.00.

Reductions A (credits) and B (assets) can be combined up to the total elimination of the monthly fee; only one tier for each group.

€3.00 / month Conditional

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. The greater of the sum of salaries/pensions and the maximum single SEPA transfer, instant, extra-SEPA, or postagiro is considered; the postagiro must come from a different account holder. Qualifying amount at least €2,500.01.

All of these conditions

  • Qualifying amount at least €2,500.01.

Reductions A (credits) and B (assets) can be combined up to the total elimination of the monthly fee; only one tier for each group.

€5.00 / month Conditional

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. Effective MiFID contract and valid questionnaire on the assessment date. Assets of the products listed in the FI with the same account title, recorded on the last day of the month (or previous business day when necessary). Assets 10.000,01–€25,000.00.

All of these conditions

  • Assets 10.000,01–€25,000.00.

Reductions A (credits) and B (assets) can be combined up to the total elimination of the monthly fee; only one tier for each group.

€4.00 / month Conditional

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. Effective MiFID contract and valid questionnaire on the assessment date. Assets of the products listed in the FI with the same account title, recorded on the last day of the month (or previous business day when necessary). Assets 25.000,01–€50,000.00.

All of these conditions

  • Assets 25.000,01–€50,000.00.

Reductions A (credits) and B (assets) can be combined up to the total elimination of the monthly fee; only one tier for each group.

€3.00 / month Conditional

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. Effective MiFID contract and valid questionnaire on the assessment date. Assets of the products listed in the FI with the same account title, recorded on the last day of the month (or previous business day when necessary). Assets 50.000,01–€100,000.00.

All of these conditions

  • Assets 50.000,01–€100,000.00.

Reductions A (credits) and B (assets) can be combined up to the total elimination of the monthly fee; only one tier for each group.

€1.00 / month Conditional

For openings starting from 01/06/2025. Monthly check in the first days of the following month; cashback recredit by the end of the debit month, with the same value date. Effective MiFID contract and valid questionnaire on the assessment date. Assets of the products listed in the FI with the same account title, recorded on the last day of the month (or previous business day when necessary). Assets at least €100,000.01.

All of these conditions

  • Assets at least €100,000.01.

Reductions A (credits) and B (assets) can be combined up to the total elimination of the monthly fee; only one tier for each group.

Who can apply

All of these conditions

  • For individuals.

All ISC / ICC profiles

Official ICC (formerly ISC) estimates for Banca d’Italia’s standard profiles. Your cost depends on how you use the account.

ProfileOnlineBranch
Youth (164)

€115.25 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

€123.25 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

Low-activity households (201)

€101.55 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

€113.55 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

Medium-activity households (228)

€166.15 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

€182.15 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

High-activity households (253)

€164.65 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

€184.65 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

Pensioners with low activity (124)

€92.25 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

€104.25 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

Pensioners with medium activity (189)

€157.15 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

€173.15 Indicative costs established by the Bank of Italy for accounts without an overdraft facility.

Stamp duty excluded

Tax and other charges

Stamp duty
€34.20 / year
Separate from the fee; applicability is conditional.
Tax paid by the bank
No
Account opening fee
Free
Online SEPA transfers
€1.00
Other-bank ATM withdrawals
€1.75
Own-bank withdrawals
Free · Unlimited free transactions
Foreign-currency withdrawals
€2.58 + 1.3%

Account-linked cards

Debit card
Free / month
Card issue fee: Free
Credit card
€44.00 / year

Features

Free without conditions
No
Free with conditions
—
Free for an initial period
—
Joint account
Yes
Branch banking
Yes
Cash deposits
Yes
Italian IBAN
Yes
F24 tax payments
Yes
Debit card available
Yes
Apple Pay
—
Google Pay
—
App available in English
—
Account opening in English
—
Customer support in English
—

Bank apps

Provider apps: check that your product is supported. Store availability does not establish English support.

  • Poste Italiane

Documents and sources

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