--- title: "Conto BancoPosta - Opzione Start – BancoPosta | 123offerte" description: "Conto BancoPosta - Opzione Start: €7.00/month fee. Compare costs, terms and alternatives on 123offerte." canonical_url: "https://123offerte.it/en/banking/current-accounts/bancoposta/start" locale: en meta: "og:description": "Conto BancoPosta - Opzione Start: €7.00/month fee. Compare costs, terms and alternatives on 123offerte." "og:image": "https://123offerte.it/share/en/banking.png" "og:image:alt": "123offerte: illustration of 123offerte" "og:image:height": "630" "og:image:type": image/png "og:image:width": "1200" "og:title": "Conto BancoPosta - Opzione Start – BancoPosta" "twitter:description": "Conto BancoPosta - Opzione Start: €7.00/month fee. Compare costs, terms and alternatives on 123offerte." "twitter:image": "https://123offerte.it/share/en/banking.png" "twitter:image:alt": "123offerte: illustration of 123offerte" "twitter:title": "Conto BancoPosta - Opzione Start – BancoPosta" --- > Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt) [BancoPosta](https://123offerte.it/en/banking/providers/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. **Use this fee for comparison** **€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. **Use this fee for comparison** **€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. **Use this fee for comparison** **€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. **Use this fee for comparison** **€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. **Use this fee for comparison** **€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. **Use this fee for comparison** **€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. **Use this fee for comparison** ### **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. | **Profile** | **Online** | **Branch** | | --- | --- | --- | | 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** - [Source 1 · www.poste.it](https://www.poste.it/conti-correnti-bancoposta/conto-corrente-bancoposta/) - [Source 2 · www.poste.it](https://www.media.poste.it/bancoposta/pdf/trasparenza/FID_CBP_CONSNEW_START.pdf) - [Source 3 · www.poste.it](https://www.media.poste.it/bancoposta/pdf/trasparenza/FI_CBP_CONSNEW_START.pdf) ## Similar offers - **Crédit Agricole Italia** · [Conto Corrente Crédit Agricole +](https://123offerte.it/en/banking/current-accounts/credit-agricole/conto-plus) **€6.95** / month - **Banco di Sardegna** · [BDS On Demand](https://123offerte.it/en/banking/current-accounts/banco-sardegna/bds-on-demand-pro) **€7.30** / month - **Banca Sella** · [Conto Sella Premium](https://123offerte.it/en/banking/current-accounts/banca-sella/sella-conto-premium) **€5.00** / month - **N26 Italia** · [N26 Smart](https://123offerte.it/en/banking/current-accounts/n26/smart) **€4.90** / month - **BancoPosta** · [Conto - Opzione Plus](https://123offerte.it/en/banking/current-accounts/bancoposta/plus) **€10.00** / month - **BancoPosta** · [Conto - Opzione Medium](https://123offerte.it/en/banking/current-accounts/bancoposta/medium) **€8.00** / month ```json {"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://123offerte.it/#organization","name":"123offerte","url":"https://123offerte.it/","logo":"https://123offerte.it/icon-512.png"},{"@type":"WebSite","@id":"https://123offerte.it/#website","name":"123offerte","url":"https://123offerte.it/","inLanguage":["it-IT","en"],"publisher":{"@id":"https://123offerte.it/#organization"}}]} ``` ```json {"@context":"https://schema.org","@type":"BankAccount","name":"Conto BancoPosta - Opzione Start","brand":{"@type":"Brand","name":"BancoPosta"},"url":"https://123offerte.it/en/banking/current-accounts/bancoposta/start","offers":{"@type":"Offer","priceCurrency":"EUR","price":7,"priceSpecification":{"@type":"UnitPriceSpecification","price":7,"priceCurrency":"EUR","unitText":"MON"}}} ``` ```json {"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://123offerte.it/en"},{"@type":"ListItem","position":2,"name":"Current accounts","item":"https://123offerte.it/en/banking/current-accounts"},{"@type":"ListItem","position":3,"name":"BancoPosta","item":"https://123offerte.it/en/banking/providers/bancoposta"},{"@type":"ListItem","position":4,"name":"Conto BancoPosta - Opzione Start – BancoPosta","item":"https://123offerte.it/en/banking/current-accounts/bancoposta/start"}]} ``` Source: 123offerte.it — https://123offerte.it/en/banking/current-accounts/bancoposta/start (accessed 2026-11-02) ## Sitemap See the full [sitemap](https://123offerte.it/sitemap.md) for all pages.