isybank

Intesa Sanpaolo digital bank. FITD. Italian IBAN. Shared-group cap with Intesa.

NeobankactiveItaly

Rate this app

7.0Solid
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Our take

Desk verdict

isybank S.p.A. is Intesa Sanpaolo’s digital bank — the 2023 rebrand of Banca 5, itself ex Banca ITB. FITD. Italian IBAN. Intesa spent hundreds of millions and annoyed branch customers by moving them. HYPE is Sella. Fineco is Fineco. This is Intesa in a light-blue coat. Shared cap.

Torre Gioia 22, Milan. Thought Machine stack. Directories list a 2023 challenger. The albo is an Intesa subsidiary that has existed since 2008 under other names. The app is new. The group is not.

isybank lists Italian bank — isybank S.p.A., Intesa Sanpaolo group (ex Banca 5 / Banca ITB) under Banca d’Italia / ECB in Italy. On safeguarding we currently write: FITD up to €100,000 — Intesa Sanpaolo group. Do not double-count with an Intesa current account.. Holder / issuer line: isybank 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 Plan-priced — confirm live; FX Bank tariff; ATM Intesa / Bancomat network. This desk would open it for: Italy residents who want Intesa FITD in a new app and do not already sit at Intesa for the cap.

What it does well: Named Intesa group bank; FITD; Not HYPE / Sella. What to watch: Shared-group cap with Intesa; Forced-migration history from Intesa branches; Italy-resident. Desk score 7.0 / 10 (safety 8.4, fees 7.4, features 7.0, app 7.6). Last verified 2026-08-30. Headquartered in Milan, Italy; founded 2023. None of this is advice — it is a file so you can read the entity before the card colour.

Best for: Italy residents who want Intesa FITD in a new app and do not already sit at Intesa for the cap.

Pros

  • +Named Intesa group bank
  • +FITD
  • +Not HYPE / Sella
  • +Real Italian IBAN

Cons

  • Shared-group cap with Intesa
  • Forced-migration history from Intesa branches
  • Italy-resident
  • Plans for the useful bits

Account facts

Partner bank
Intesa Sanpaolo S.p.A.

How it actually works

Custody
Bank balance
Local rails
IBAN / SEPA
Built for
Personal
Settlement
Local rails instant where live; SWIFT slower
Review risk
Bank-grade; still not freeze-proof
Pay surface
mastercard · physical · virtual · Apple Pay · Google Pay

Safety

FITD up to €100,000 — Intesa Sanpaolo group. Do not double-count with an Intesa current account.

Holder / issuer: isybank S.p.A.

  • Banca d’Italia / ECBItalian bank — isybank S.p.A., Intesa Sanpaolo group (ex Banca 5 / Banca ITB) · Italy

Fees

Monthly
Plan-priced — confirm live
FX markup
Bank tariff
ATM
Intesa / Bancomat network

Features

  • IBAN
  • Fee-free core
  • Multi-currency
  • Apple Pay
  • Google Pay
  • Virtual card
  • Physical card
  • Metal card
  • Crypto
  • Stocks
  • Business
  • Kids
  • Halal
  • Italian IBAN
  • Intesa group digital bank
  • FITD
  • Thought Machine core
  • App-only

Score

Safety25%
8.4
Fees20%
7.4
Features15%
7.0
App15%
7.6
Global15%
3.8
Support10%
6.8

Change log

Full log
  1. Licence

    Intesa Sanpaolo digital bank, FITD

    Ex Banca 5 / ITB. Shared-group cap with Intesa.

Available in

FAQ

01

Is isybank a bank?

isybank holds a banking-style licence (Banca d’Italia / ECB). Still read the legal entity on the statement, not the app icon.

02

How is money protected?

FITD up to €100,000 — Intesa Sanpaolo group. Do not double-count with an Intesa current account.

03

Where is isybank available?

We list 1 market desk on the desk. Residency and onboarding rules still sit with isybank.

04

Card and wallets?

mastercard · physical · virtual · Apple Pay · Google Pay

Ratings and reviews

No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.

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Used isybank?

Stars plus a short note. We publish after a desk read. “Verified user” is our tick, not yours.

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