Bank Account (Conto Corrente) in Italy: What It Is and How to Get It
The Bank Account (Conto Corrente) is an essential part of settling in Italy as a foreigner. Whether you are a student, worker, or relocating with family, understanding this step will save you time and frustration. It is one of the simplest bureaucratic steps that requires 3 documents. It typically costs €0-10/month (varies by bank and account type).
What is Bank Account (Conto Corrente)?
Opening a bank account in Italy is significantly easier for EU citizens than for Extra-EU nationals. You only need your EU ID and codice fiscale — no residence permit needed. Many banks offer same-day account opening.
To complete this step, you will need to gather 3 documents and follow a specific procedure. The process is straightforward and can usually be completed in a single visit. The associated cost is €0-10/month (varies by bank and account type).
Based on the experience of thousands of foreigners who have gone through this process, there are several practical tips that can make your experience smoother. Being well-prepared before your appointment and having all documents in order are consistently the most important factors for success.
Who needs it?
The Bank Account (Conto Corrente) is required for virtually all foreigners settling in Italy, regardless of visa type or nationality. Both EU and non-EU citizens need to complete this step, though the exact process and timeline may differ.
EU citizens generally have a simpler process and more flexible deadlines. Non-EU (Extra-EU) citizens often need to complete this step as part of their residence permit application process and may face stricter deadlines.
Applicable visa and permit types
- Students (Type D visa)
- Workers (employed and self-employed)
- Digital Nomads
- EU Blue Card holders
- Family reunification
- Retirees and investors
- EU citizens (after 3 months)
What you'll need
You will need 3 documents to complete this step. Below is an overview of each one.
Codice fiscale
Your Italian tax identification number. Every Italian bank requires it by law to open any type of account.
Valid EU passport or national ID
Your EU identity document for the bank's identity verification. Italian anti-money-laundering laws require banks to verify your identity.
Proof of address (if available)
A document showing where you live in Italy. Banks use this to verify your residential address, though not all banks require it for EU citizens.
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Sign up freeThe process
Here is a high-level overview of the steps involved in completing this process.
- 1
Gather all required documents (listed below).
- 2
Visit the relevant office. Common offices involved: Agenzia delle Entrate, Already have, Rental contract or utility bill.
- 3
Submit your application and any required fees.
- 4
Wait for processing and collect your document or confirmation.
Common mistakes to avoid
Many foreigners run into the same issues when completing this step. Here are the most common mistakes and how to avoid them:
- Going to a bank branch without an appointment — most banks now require booking online
- Not comparing account fees — ask explicitly about canone mensile (monthly fee) and transaction costs
- Ignoring digital banks — N26, Revolut, and Wise work with Italian codice fiscale and are often easier
- Choosing a basic 'conto base' account — it has severe transfer and withdrawal limits
Frequently asked questions
Which banks are best for EU citizens?
For traditional banking: Intesa Sanpaolo and UniCredit are the largest and most experienced with foreign clients. For digital banking: N26, Revolut, and Wise work with Italian codice fiscale and offer easy online opening.
Can I open an account online?
Yes, digital banks like N26 and Revolut allow fully online account opening with just an EU ID and codice fiscale. Traditional banks usually require an in-person appointment.
Do I need proof of address?
Not always. EU citizens can often open accounts with just codice fiscale and EU ID. Proof of address (rental contract or utility bill) may be requested by some banks.
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This content is for informational purposes only and does not constitute legal advice. Immigration laws change frequently. Always verify with official sources.