How we rank
No sponsors and no recommendations: just measurable values, in an order you can change.
We don't recommend offers and we don't sell them. 123offerte is a comparison site, not an intermediary: we don't act for any provider, and no provider pays to appear here or to rank higher.
The default order
Each list starts from one measurable value, from lowest to highest:
- Mobile plans and home internet: the monthly price. When a price depends on conditions, such as your age, how you pay or the number you bring, we use the price that matches your answers in the filters. Prices with conditions you haven't answered are marked with an asterisk. Pay-as-you-go SIMs, with no data, minutes or texts included, come after plans with a bundle: their monthly fee doesn't tell you what you'll pay.
- Current accounts: the indicative annual cost (ISC), the standard figure defined by the Bank of Italy. Where too few accounts publish it, the monthly fee.
- Credit cards: the fee.
- Personal loans: the APR (TAEG).
- Electricity and gas: the estimated bill for the consumption you choose.
- Insurance: the price for the trip or period you choose.
Offers whose value we don't know come after the ones we can measure. You can always change the order and narrow the list with the filters.
What we don't do
- No sponsored placements. If there ever are any, they will be clearly labelled.
- No scores, stars or "best choice" badges.
- We don't check whether you qualify for an offer, or whether it's available at your address.
Where the data comes from
We collect terms from providers' official documents and pages, and from official public sources: for electricity and gas, the Portale Offerte run for ARERA, and ARERA's regulated charges for the bill estimates. We update the data regularly. Terms change, so always confirm on the provider's website before signing up.