Opening a bank account in Italy is a practical step for anyone planning to stay long-term. Whether you’re a resident, a student, or a property owner, a local account makes it easier to manage bills, taxes, and everyday expenses.
👉 For a broader overview of daily bureaucracy, see: Italian Bureaucracy and Everyday Life.
Documents You’ll Need
Banks in Italy typically require:
- A valid passport or Carta d’Identità if you already have one.
- Your Codice Fiscale (Italian tax code).
- Proof of address (rental contract, utility bill, or Certificato di Residenza).
- In some cases, proof of employment or study.
Without a Codice Fiscale, it is not possible to open an account.
Types of Bank Accounts
- Current account (conto corrente): for everyday use such as payments and transfers.
- Savings account (conto di risparmio): designed mainly for deposits.
- Online account: offered by digital banks with lower fees and easier setup.
How to Open an Account
- Choose a bank (traditional branch or online provider).
- Book an appointment or start the process online.
- Provide the documents listed above.
- Sign the contract and activate your debit card (bancomat).
Many banks will allow you to set up direct debits for utilities, making it easier to pay bills in Italy.
Opening a Bank Account as a Non-Italian Speaker
If you don’t speak Italian, the process can feel daunting. Here are some tips:
- Choose banks in larger towns where staff are more likely to speak English.
- Bring a translator or trusted Italian speaker if you’re unsure about contracts.
- Consider online banks with multilingual customer service.
- Use CAF offices for support with bureaucratic steps if needed.
Alternatives to a Full Bank Account
For temporary stays, prepaid cards linked to IBANs (like PostePay) may be sufficient. These can be set up quickly at Poste Italiane.
✅ Key Takeaways
Opening a bank account in Italy can be quick once you have your Codice Fiscale and proof of residence. Traditional banks offer stability, while online account can provide convenience and lower fees. If language is a barrier, preparing documents carefully and seeking support will help smooth the process.