--- title: "Conto Corrente BNL X Semplifica ogni giorno - Modulo SMART – BNL BNP Paribas | 123offerte" description: "Conto Corrente BNL X Semplifica ogni giorno - Modulo SMART from BNL BNP Paribas: €6.70/month fee. Compare costs, terms and alternatives on 123offerte." canonical_url: "https://123offerte.it/en/banking/current-accounts/bnl/x-smart" locale: en meta: "og:description": "Conto Corrente BNL X Semplifica ogni giorno - Modulo SMART from BNL BNP Paribas: €6.70/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 Corrente BNL X Semplifica ogni giorno - Modulo SMART – BNL BNP Paribas" "twitter:description": "Conto Corrente BNL X Semplifica ogni giorno - Modulo SMART from BNL BNP Paribas: €6.70/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 Corrente BNL X Semplifica ogni giorno - Modulo SMART – BNL BNP Paribas" --- > Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt) [BNL BNP Paribas](https://123offerte.it/en/banking/providers/bnl) # Conto Corrente BNL X Semplifica ogni giorno - Modulo SMART €6.70 / month Standard fee: €6.70 / month **€4.70 / month** In months with salary or pension credit into the account, with ABI 27 reason code. **€5.70 / month** At least one holder owns a Protection Product in the Policy List - €1.00 Discount of the bank; purchasable together with the account or subsequently, with premium debited to the modular account. Check in the months of application. **€3.70 / month** At least one holder owns a Protection Product in the Policy List - €3.00 Discount of the bank; purchasable together with the account or subsequently, with premium debited to the modular account. Check in the months of application. Other fee options (7) ### **Fees and discounts** Select a fee only if all its conditions apply; discounts do not stack. **€4.70 / month **Conditional In months with salary or pension credit into the account, with ABI 27 reason code. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **€5.70 / month **Conditional At least one holder owns a Protection Product in the Policy List - €1.00 Discount of the bank; purchasable together with the account or subsequently, with premium debited to the modular account. Check in the months of application. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **€3.70 / month **Conditional At least one holder owns a Protection Product in the Policy List - €3.00 Discount of the bank; purchasable together with the account or subsequently, with premium debited to the modular account. Check in the months of application. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **€5.70 / month **Conditional At least one holder owns an Insurance or Financial Investment Product and in the reference month at least one periodic mutual fund savings plan (PAC) payment has been arranged with debit on the modular account. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **€6.20 / month **Conditional From the 3rd year from the account opening date; applicable seniority tier, without adding previous tiers. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **€5.70 / month **Conditional From the 5th year from the account opening date; applicable seniority tier, without adding previous tiers. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **€4.70 / month **Conditional From the 10th year from the account opening date; applicable seniority tier, without adding previous tiers. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **€3.70 / month **Conditional Qualifying assets of at least €75,000: products/relations held or placed by the bank, excluding current account, deposit account, savings deposits, repurchase agreements, certificates of deposit, bonds, government securities, and shares. Values available at the end of the previous month; same account holder name, including products held individually by co-holders and bearer securities belonging to them. The reached tier applies, not the sum of the two tiers. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **Free / month **Conditional Qualifying assets of at least €150,000: products/relations held or placed by the bank, excluding current account, deposit account, savings deposits, repurchase agreements, certificates of deposit, bonds, government securities, and shares. Values available at the end of the previous month; same account holder name, including products held individually by co-holders and bearer securities belonging to them. The reached tier applies, not the sum of the two tiers. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** **Free / month **Conditional Account holder, or at least one co-holder, under 30 years of age, in months with an active Smart Module. If there are multiple relationships with the same characteristics, the discount applies to the one opened first. Progressive reductions up to total elimination; alternative asset or tenure tiers cannot be combined. Combinations are not applied automatically. **Use this fee for comparison** ### **Who can apply** Available to adults residing in Italy, with a maximum of three participating parties in case of joint ownership. #### **Full conditions** **All of these conditions** - Individuals aged 18 or over. - Residents of Italy. #### **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 | €40.90 | €76.90 | | HOUSEHOLDS WITH LOW ACTIVITY | €77.55 | €125.05 | | HOUSEHOLDS WITH MEDIUM ACTIVITY | €138.85 | €200.85 | | HOUSEHOLDS WITH HIGH ACTIVITY | €101.75 | €171.25 | | PENSIONERS WITH LOW ACTIVITY | €69.65 | €112.15 | | PENSIONERS WITH MEDIUM ACTIVITY | €93.30 | €157.30 | 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**: €15.00 - **Online SEPA transfers**: €1.00 - **Other-bank ATM withdrawals**: €2.00 - **Own-bank withdrawals**: Free · Unlimited free transactions - **Foreign-currency withdrawals**: — #### **Account-linked cards** - **Debit card**: Free / year · Card issue fee: Free · Delivery: Free · Card replacement: Free - **Credit card**: €50.40 / year · Card issue fee: €50.40 - **Prepaid card**: — ### **Features** - **Free without conditions**: No - **Free with conditions**: Yes - **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**: Yes - **Google Pay**: Yes - **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. - **BNL** #### **Documents and sources** - [Source 1 · bnl.it](https://bnl.it/bin/plabintegration/pdfdownloadservlet.239741.A36767.A36767.015.pdf) - [Source 2 · bnl.it](https://bnl.it/bin/plabintegration/pdfdownloadservlet.239741.A36767.FIDA36767A.015.pdf) - [Source 3 · bnl.it](https://bnl.it/it/per-te/conti/conto-bnl-smart) ## Similar offers - **Extrabanca** · [Conto di Base](https://123offerte.it/en/banking/current-accounts/extrabanca/conto-base) **€6.50** / month - **Intesa Sanpaolo** · [XME Conto Silver](https://123offerte.it/en/banking/current-accounts/intesa-sanpaolo/xme-conto-silver) **€5.90** / month - **Banco BPM** · [Conto Corrente Premiaconto](https://123offerte.it/en/banking/current-accounts/banco-bpm/conto-corrente-premiaconto) **€8.50** / month - **Crédit Agricole Italia** · [Conto Corrente Crédit Agricole +](https://123offerte.it/en/banking/current-accounts/credit-agricole/conto-plus) **€6.95** / month - **BNL BNP Paribas** · [Conto Corrente BNL X Semplifica ogni giorno - Modulo Powered](https://123offerte.it/en/banking/current-accounts/bnl/x-powered) **€9.70** / month - **BNL BNP Paribas** · [Conto Corrente BNL X Semplifica ogni giorno - Modulo Full](https://123offerte.it/en/banking/current-accounts/bnl/x-full) **€17.70** / 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 Corrente BNL X Semplifica ogni giorno - Modulo SMART","brand":{"@type":"Brand","name":"BNL BNP Paribas"},"url":"https://123offerte.it/en/banking/current-accounts/bnl/x-smart","offers":{"@type":"Offer","priceCurrency":"EUR","price":6.7,"priceSpecification":{"@type":"UnitPriceSpecification","price":6.7,"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":"BNL BNP Paribas","item":"https://123offerte.it/en/banking/providers/bnl"},{"@type":"ListItem","position":4,"name":"Conto Corrente BNL X Semplifica ogni giorno - Modulo SMART – BNL BNP Paribas","item":"https://123offerte.it/en/banking/current-accounts/bnl/x-smart"}]} ``` Source: 123offerte.it — https://123offerte.it/en/banking/current-accounts/bnl/x-smart (accessed 2026-11-02) ## Sitemap See the full [sitemap](https://123offerte.it/sitemap.md) for all pages.