Italy
activeFeaturedNeobank
- HQ
- Berlin
- Fee
- Free Standard
Banca Widiba
Montepaschi’s digital and advice bank. Banca d’Italia / ECB. FITD. Italian IBAN.
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7.0Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Credit institution — Banca Widiba S.p.A. (Wise Dialog Bank) (Banca d’Italia / ECB). Still read the entity on the statement.
If it fails?
Italian FITD up to €100,000 per depositor per bank — MPS group, so do not assume a second cap next to a Montepaschi salary account
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Account packs — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.0
/10 · Solid
Banca Widiba S.p.A. is the digital and financial-advisory bank of the Montepaschi group. Banca d’Italia / ECB. FITD consortium member. An Italian IBAN at a bank. N26 is a German IBAN. Different objects. If you already hold Montepaschi, treat the FITD cap as a group question.
What it is
Wise Dialog Bank launched in 2014 as MPS’s answer to Fineco: app plus a human. Over 570 advisors. Directories file it as a neobank because the name is made-up. This desk files it as a bank in a 550-year-old group.
Best for: Italy residents who want a bank IBAN plus an advisor, not a Lithuanian EMI.
Last checked 2026-08-28. Not advice.
What it does well
- +Named Italian bank
- +FITD
- +Advisor network is real
- +Not a startup wallet
What to watch
- −MPS-group deposit-cap maths
- −Not a travel FX product
- −Italy-resident
- −Advice fees sit next to the current account
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- Personal current · advised wealth
- Partner bank
- Banca Widiba S.p.A.
- Minimum balance
- €0
- Lowest monthly fee
- Pack-dependent
- Who can open
- Italy residents
- Availability
- Italy
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal · Investing
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Banca Widiba lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Italian FITD up to €100,000 per depositor per bank — MPS group, so do not assume a second cap next to a Montepaschi salary account
Who holds the money: Banca Widiba S.p.A.
- Banca d’Italia / ECBCredit institution — Banca Widiba S.p.A. (Wise Dialog Bank) · Italy
Fees
- Monthly
- Account packs — confirm live
- FX markup
- Bank tariff
- ATM
- Network + MPS machines
- Interest
- Savings and advised investment SKUs
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Italian IBAN current account
- 570+ financial advisors
- App + web
- Savings and investments
- FITD bank
Score
- Safety25%
- 8.2
- Fees20%
- 6.8
- Features15%
- 7.4
- App15%
- 7.2
- Global15%
- 4.4
- Support10%
- 7.4
Change log
Full logLicence
Banca Widiba S.p.A. — Banca d’Italia / ECB
Montepaschi digital and advice bank. FITD. Italian IBAN. Group cap with MPS.
Available in
Straight answers
FAQ
01Is Banca Widiba a bank?
Banca Widiba holds a banking-style licence (Banca d’Italia / ECB). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Italian FITD up to €100,000 per depositor per bank — MPS group, so do not assume a second cap next to a Montepaschi salary account
03Where is Banca Widiba available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Banca Widiba.
04Card and wallets?
Banca Widiba lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Banca Widiba remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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