---
title: "XME Conto Gold – Intesa Sanpaolo | 123offerte"
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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[Intesa Sanpaolo](https://123offerte.it/en/banking/providers/intesa-sanpaolo)

# XME Conto Gold

€10.90 / month

Standard fee: €10.90 / month

**€5.90 / month**

At least one salary or pension payment must be credited to this account every two months. Requirements are checked on the 20th of each month; if they are met, the discounted price applies in the following month.

**€4.90 / month**

At least one eligible product must be charged to this account: XME Protezione, Polizza Auto ViaggiaConMe or Polizza MotoConMe. Requirements are checked on the 20th of each month; if they are met, the discounted price applies in the following month.

**€2.90 / month**

The Valore Insieme Patrimonio 2.0 Package service must be settled on this account; the holder must be the account owner or co-owner. Requirements checked on the 20th of each month; in case of a positive outcome, the discounted price applies in the following month.

Other fee options (1)

### **Who can apply**

The account requires signing the My Key contract for remote operations and the use of the digital signature.

**All of these conditions**

- Dedicated to consumer clients resident and non-resident with an Italian tax code.

#### **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.

- **Youth · Branch**: €142.60 · Stamp duty excluded
- **Youth · Online**: €135 · Stamp duty excluded
- **Households with low activity · Branch**: €118 · Stamp duty excluded
- **Households with low activity · Online**: €109.40 · Stamp duty excluded
- **Medium-activity households · Branch**: €127.30 · Stamp duty excluded
- **Medium-activity households · Online**: €117.70 · Stamp duty excluded
- **High-activity households · Branch**: €138.60 · Stamp duty excluded
- **High-activity households · Online**: €128 · Stamp duty excluded
- **Low activity pensioner · Branch**: €112.80 · Stamp duty excluded
- **Low activity pensioner · Online**: €104.20 · Stamp duty excluded
- **Average activity pensioner · Branch**: €128.10 · Stamp duty excluded
- **Average activity pensioner · Online**: €118.50 · 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**: —
- **Online SEPA transfers**: €0.50
- **Other-bank ATM withdrawals**: €0.50
- **Own-bank withdrawals**: Free · Unlimited free transactions
- **Foreign-currency withdrawals**: —

#### **Account-linked cards**

- **Debit card**: Free / month · Card issue fee: Free
- **Credit card**: Free / month · Card issue fee: Free

### **Fees and discounts**

Choose one fee per product, only if all its conditions apply to you. Your choice updates the list, sorting, fee filters and comparison. Discounts are not added together.

**€5.90 / month **Conditional

At least one salary or pension payment must be credited to this account every two months. Requirements are checked on the 20th of each month; if they are met, the discounted price applies in the following month.

**All of these conditions**

- Salary or pension credit (at least one credit to the account every two months).

**Use this fee for comparison**

**€4.90 / month **Conditional

At least one eligible product must be charged to this account: XME Protezione, Polizza Auto ViaggiaConMe or Polizza MotoConMe. Requirements are checked on the 20th of each month; if they are met, the discounted price applies in the following month.

**Use this fee for comparison**

**€2.90 / month **Conditional

The Valore Insieme Patrimonio 2.0 Package service must be settled on this account; the holder must be the account owner or co-owner. Requirements checked on the 20th of each month; in case of a positive outcome, the discounted price applies in the following month.

**Use this fee for comparison**

**Free / month **Conditional

The Valore Insieme Exclusive Package service must be settled on this account; the holder must be the account owner or co-owner. Requirements checked on the 20th of each month; in case of a positive outcome, the discounted price applies in the following month.

**Use this fee for comparison**

### **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**: —
- **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.

- **Intesa Sanpaolo Mobile**

#### **Documents and sources**

- [Source 1 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-1364.pdf)
- [Source 2 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-1842.pdf)
- [Source 3 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/it/persone-e-famiglie/prodotti/conti-e-libretti/xme-conto-gold.html)

## Similar offers

- **Intesa Sanpaolo** · [XME Conto Silver](https://123offerte.it/en/banking/current-accounts/intesa-sanpaolo/intesa-sanpaolo-xme-conto-silver-id-d06f3f8a5c9df136)

  **€5.90** / month
- **Intesa Sanpaolo** · [XME Conto Platinum](https://123offerte.it/en/banking/current-accounts/intesa-sanpaolo/intesa-sanpaolo-xme-conto-platinum-id-f6430e31caae485b)

  **€20.90** / month

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Source: 123offerte.it — https://123offerte.it/en/banking/current-accounts/intesa-sanpaolo/intesa-sanpaolo-xme-conto-gold-id-75f8983fff20f92d (accessed 2026-11-01)

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