Banca Widiba

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.

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.

Banca Widiba lists Credit institution — Banca Widiba S.p.A. (Wise Dialog Bank) under Banca d’Italia / ECB in Italy. On safeguarding we currently write: 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. Holder / issuer line: Banca Widiba S.p.A.. An AML programme is claimed. Local bank details (IBAN / sort code / equivalent) are part of the pitch. We list 1 live markets on the product. As we score the sticker: monthly Account packs — confirm live; FX Bank tariff; ATM Network + MPS machines; interest Savings and advised investment SKUs. This desk would open it for: Italy residents who want a bank IBAN plus an advisor, not a Lithuanian EMI.

What it does well: Named Italian bank; FITD; Advisor network is real. What to watch: MPS-group deposit-cap maths; Not a travel FX product; Italy-resident. Desk score 7.0 / 10 (safety 8.2, fees 6.8, features 7.4, app 7.2). Last verified 2026-08-28. Headquartered in Milan, Italy; founded 2014. None of this is advice — it is a file so you can read the entity before the card colour.